0% intro APR* on purchases and balance transfers for 20 billing cycles. After that a variable APR, currently 11.99% to 20.99%.*
The purchasing power of Zero
Extended low intro rate
Save on interest with a great low introductory rate for an extended time
Use for larger purchases, unexpected expenses or last-minute necessities
Pay down balances
Pay down your other credit card balances faster
So many rewards
Protecting your peace of mind
Benefits like zero fraud liability1 help defend your business.
Intro APR* for Purchases:
Business: 0% introductory APR for the first 18 billing cycles. After that, 17.24% to 26.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. Light Commerce CU Business Card Terms & Conditions
Free employee cards
Keep track of employee expenses while earning as many rewards as possible
Intro APR* for Balance Transfers:
Business: 0% introductory APR for the first 18 billing cycles for balances transferred within 558 days from account opening. After that, 17.24% to 26.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. Light Commerce CU Business Card Terms & Conditions
See and sort expenses
Use our online reporting tools to view credit card spending by categories, transaction type and a defined transactional period—month, quarter or year.
Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its aﬃliates as provided under the Cardmember Agreement and applicable law.
Subject to credit approval.
- *The introductory rate does not apply to cash advances. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply payments to balances with lower APRs, including promotional APRs, before balances with higher APRs. Balance transfer fees will apply.
- 1. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporate.