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Earn unlimited cash rewards on every purchase and enjoy the flexibility to reinvest your savings back into your business growth.
The Business Cash Back Card from Heritage Credit Union is designed to help entrepreneurs, business owners, and professionals maximize their everyday spending. Whether it’s office supplies, travel, or client dinners, every purchase earns valuable rewards that strengthen your financial performance.
Earn up to 2% cash back on every eligible purchase with no limit or expiration date.
Enjoy competitive rates that keep your business finances stable and predictable.
Stay protected with real-time fraud monitoring, zero liability, and secure chip technology.
Choose flexible payment dates and enjoy online account management for full control.
Our Business Cash Back Card doesn’t just offer rewards — it provides a full suite of business-oriented advantages. From employee card controls to automatic expense reports, this card is built for growth-focused organizations.
Applying for your Business Cash Back Card is fast and simple. You can apply online in just a few steps. Once approved, you’ll receive instant access to your account and can start earning rewards right away.
This card is ideal for small business owners, startup founders, and corporate professionals looking to turn their everyday spending into meaningful returns. Whether you run a local retail shop or manage a growing enterprise, this card gives you the power to save more every month.
Example: If your business spends $5,000 a month on operations, that’s up to $100 in cash back every month — or $1,200 a year that you can reinvest into your business growth.
Registered businesses and organizations operating in the USA or Canada that meet documentation and credit requirements can apply. Approval depends on verification and underwriting.
Cash back is calculated on eligible merchant transactions after returns/refunds. Accumulated cash back posts to your rewards balance and is redeemable as statement credits, deposits, or other redemption options available in the portal.
Certain categories (for example, cash advances, balance transfers, or non-qualifying merchant codes) may be excluded from earning cash back. Full details are in the card agreement and rewards terms.
Rewards are typically tied to the corporate account that accumulates the spend. Speak with your relationship manager about consolidated or multi-entity reward arrangements for larger organizations.
Yes — exportable transaction reports, receipt upload, and API endpoints are available to integrate with QuickBooks, Xero, and most ERP systems to streamline reconciliation.
