Business Credit Cards
Flexible Business Credit Cards with Big Benefits.
Business Credit Cards Flexible Business Credit Cards with Big Benefits
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Our Mastercard® business and corporate cards feature the competitive rates and worldwide acceptance you want from a major credit card plus the local service you expect from Heritage Bank.
Whichever card or mix of cards works best for your business, enjoy the convenience, flexibility, and benefits reserved for Mastercard® business and corporate card customers.
Subject to credit approval. Ask for details.
**Mastercard is a registered trademark of Mastercard International Incorporated. Certain terms, conditions, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.
Small Business Credit Cards
Standard Benefits of All Small Business Platinum Cards
- Separate business expenses, bridge gaps in cash flow, track spending and better forecast.
- Access your statements and transactions online anytime, from anywhere.
- Manage multiple employee cards on your account with customized spending limits to simplify expense tracking and travel reimbursement.
- Adjust the credit limit on any employee card, as often as necessary, 24 hours a day, 7 days a week.
- Opt for paperless statements.
- Customize cards by adding your company’s name along with individual cardholder information on each card.
- Encourage contactless payment with support devices via Apple Pay®, Samsung Pay® and Google Wallet®.
- Track your spending and report expenses for your taxes with intuitive reporting tools. Simply import card information into your accounting and tax software.
- Choose from multiple payment options, including automatic debit, online, in branch or by mail.
+ Apple Pay® is a registered trademark of Apple Inc. Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd. Google Wallet® is a registered trademark of Google LLC.
Quick Glance Comparison on Card Options
Business Platinum
Versatility, reliability and convenience – all in one card.
Simplify finances. Consolidate balances to manage your expenses more effectively.
0% INTRO APR on purchases and balance transfers for the first 6 months.1 After that, a variable APR, currently Prime + 5.74% to Prime + 13.74% applies, based on creditworthiness.* A balance transfer fee* of $10 or 3% of the amount of the transfer (whichever is greater) applies to each transfer.
Consolidated or individual billing – your choice.
Consider if you carry a balance.
Business Low Rate Platinum
Special balance transfer offer for the first six months.*
Save money on finance charges with our lowest APR card.
Take advantage of no balance transfer fees in the first 6 months with the Heritage Bank Business Low Rate Platinum Card. After that, a balance transfer fee of $10 or 1% of the amount of the transfer, whichever is greater, applies.*
Gain better visibility and save time with consolidated billing, which consolidates all business credit card activity into one easy-to-manage statement.
Consider if you carry a balance and want our lowest rate.*
Business Platinum Rewards
Cash back rewards2 on daily business purchases.
Cash back can be redeemed for a statement credit or direct deposit. Consolidated or individual billing – your choice.
Business World Elite
Earn more cash back on travel, gas and dining purchases.
Get rewarded for your everyday business purchases. Enjoy 3% cash back on travel and dining, 2% on gasoline and 1% on everything else.2,4
Earn a $500 Cash Back Bonus when you spend $5,000 in the first 90 days of account opening.3
All cards are subject to credit approval. Ask for details.
Mastercard is a registered trademark of Mastercard International Incorporated. Certain restrictions,limitations, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.
1. See Terms and Conditions for complete details. Balance Transfers are subject to available credit.
2. For details on Rewards Program, please visit https://ourheritage.myapexcard.com/about-rewards/rewards-terms. Rewards options are subject to change without notice.
3. Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on Rewards Program, please visit https://ourheritage.myapexcard.com/about-rewards/rewards-terms. Rewards options are subject to change without notice.
4. We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.
Intro Offers |
Business Platinum |
Business Low Rate Platinum |
Business Platinum Rewards |
Business World Elite |
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Special financing for first 6 months |
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Special offers on balance transfer for first 6 months |
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Standard Card Benefits |
Business Platinum |
Business Low Rate Platinum |
Business Platinum Rewards |
Business World Elite |
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Access your statement and transactions online anytime, from anywhere |
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Manage multiple employee cards on your account |
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Adjust credit limits on any employee, 24/7, as often as necessary |
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Paperless statements available |
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Customize cards with company name and cardholder name |
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Contactless payment available |
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Intuitive spending and expenses reporting tools |
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Multiple payment options, including automatic debit, online banking, at a branch or by mail |
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Terms and Conditions | Terms and Conditions | Terms and Conditions | Terms and Conditions |
Corporate Credit Cards
For mid-sized companies with large regular expenses paid in full each month.
Standard features of all corporate cards:
- Manage spending limits, customize limits for each employee, and open and close accounts in real time. Access your statements and transactions online anytime, from anywhere.
- Integrate with an intuitive, no-cost expense reporting system.
- Easily upload files into GL.
- Set spend alerts and spend controls.
- Opt into electronic billing statements.
- Pay by automatic debit, online bill pay, by mail or in person at one of our branches.
- Greater control and visibility into employee spending.
Work smarter with Heritage Bank Platinum Corporate Cards. Ask our Treasury Management Team to help you make the choices that work for your company.
Corporate Rewards
1% cash back rewards on all purchases, no limits.*
- Rewards redeemable as a statement credit or as a direct deposit to the company’s direct deposit account.
- Consolidated or individual billing.
- Multiple employee cards available with a $25 per card annual fee. Terms and Conditions
- ERP integration.
- No cost expense reporting system.
- Easy file upload into GL.
Subject to credit approval. Ask for details.
*For details on Rewards Program, please visit https://ourheritage.myapexcard.com/about-rewards/rewards-terms. Rewards options are subject to change without notice.
Purchasing Card
Earn cash rebates while improving your cash flow.
- Leverage suppliers’ extended payment terms.
- Eliminate paper checks.
- Consolidated billing only.
- Multiple employee cards available with at no additional cost.
- No annual fees. Terms and Conditions
- Vehicle and drive fleet cards available. Set spend limits and controls, capture odometer reading and vehicle or driver IDs, and report level 3 detail.
- Virtual card option. Reduce processing costs, eliminate exposure to check fraud and control payment.
Subject to credit approval. Ask for details.
More Mastercard® Platinum Benefits
Mastercard ID Theft Protection
Available 24 hours, 365 days a year.
- A uniform Identity Theft Affidavit and assistance completing the Affidavit.
- Assistance in notifying credit reporting agencies.
- Assistance with debit and credit card replacement.
- Education on how Identity Theft can occur and of protective measures to avoid further occurrences.
- Sample letters for use in canceling checks, ATM cards and other accounts.
Mastercard Global Emergency Services
Worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement and Emergency Cash Advance.
MasterRental Coverage
Available 24 hours, 365 days a year.
- Insurance coverage for rental cars when the cardholder uses the credit card to pay for the car rental.
- Car rental must be 15 days or less, and rental agency coverage must be declined.
- Coverage includes physical damage, theft, out of service and towing charges.
- Does not cover personal injury, personal liability, personal property or damage to other vehicles.
Mastercard Easy Savings®
To take advantage of any of these features or file a claim, simply call 1-800-Mastercard.
Subject to credit approval. Ask for details.
Mastercard is a registered trademark of Mastercard International Incorporated. Certain restrictions, limitations and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.