A rewards card built for business — flexible, secure, and rewarding

Whether you’re managing travel, procurement, or recurring software subscriptions, the Business Rewards Card is built to support modern companies. It combines competitive reward rates, robust security, flexible redemptions, and easy expense management — all backed by Heritage Credit Union’s commercial support and online tools.

Key Features

Earn Rewards on Business Purchases

Earn points or cash back on everyday categories such as travel, fuel, advertising, office supplies, and software subscriptions. Points accumulate automatically and are visible in the rewards portal.

Flexible Redemption Options

Redeem rewards for travel bookings, statement credit, gift cards, or business services. Use points to offset company expenses or to reward employees and sales staff for performance.

Global Acceptance & Travel Perks

Accepted worldwide at merchants and online—plus premium travel insurance, rental car cover, and airport lounge access options for eligible plans.

Enterprise-Grade Security

Chip & PIN, tokenization for digital wallets, two-factor authentication, and real-time fraud monitoring protect both company and employee transactions.

Employee Card Controls

Issue employee cards with tailored spend limits, merchant-category controls, and automatic alerts. Reduce manual reimbursements and speed up finance workflows.

Advanced Reporting & Integrations

Download detailed transaction reports or connect directly with accounting platforms (QuickBooks, Xero, or custom ERP) to automate reconciliation and controls.

Benefits for your business

Financial efficiency: Consolidate company spend on a single monthly statement to reduce administrative overhead, accelerate reconciliation, and improve cash flow forecasting.

Rewarded spending: Maximize ROI on routine business costs by earning points or cash back that can be reinvested into the business or used as employee incentives.

Better controls: With category blocking, per-card limits, and immediate alerts, your finance team can enforce policies without stalling operations or slowing down staff.

Scalable for growth: Issue cards instantly as teams expand; policies and limits scale with your organization so you maintain control while enabling operations.

Cross-border readiness: Designed for businesses operating across the USA and Canada—supporting multi-currency transactions and travel needs with transparent FX terms.

How the Business Rewards Card works

  1. Apply online: Start with a secure online application or contact our commercial team for tailored program setup.
  2. Design your program: Choose reward structure (points or cashback), employee card limits, and settle cycle preferences.
  3. Issue cards: Instantly issue physical or virtual employee cards with pre-set limits for procurement, travel, or subscriptions.
  4. Earn rewards: Points accumulate on eligible spend and are viewable in the secure rewards portal.
  5. Redeem and reconcile: Redeem through the portal for travel, cashbacks, or statement credits, and export transaction data for automated reconciliation.

Pricing & transparency

We offer competitive program pricing with clearly defined annual or per-card fees that vary by program size and features. There are no hidden charges; your account specialist will provide a transparent cost breakdown during onboarding.

Security & compliance

Your card program includes bank-grade encryption, PCI-compliant processing, multi-factor authentication (MFA) for the portal and proactive fraud-monitoring systems to identify suspicious activity in real-time.

Ready to reward your business for everyday spend?

Apply for Business Rewards Card Contact a Specialist

Prefer a different commercial card? See our Corporate Credit Card for consolidated billing and advanced procurement capabilities, or compare all business account options on our Business Banking page.