Restaurant Owner

More Rewards. Not More Rules.

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Credit Cards

Choosing the right business card is easier than ever. 

No matter which card you choose, you'll enjoy important features like: 

  • Easy-to-use expense management tools
  • Free employee cards
  • EMV smart chip technology for added security
  • Mobile purchasing for adding convenience
Let's get started....

VISA® Business Platinum Card 
Save on interest with an extended introductory rate and pay down other credit card balances faster. More


VISA® Business Cash Card
Earn cash back1 every time you use your card: 3% on office supply store net purchases and phone/internet services, 2% on restaurant and gas station net purchases, and 1% on all other eligible net purchases. More

 

VISA® Business Real Rewards Card
Watch your rewards add up fast with 1.5 points for every $1 you spend on eligible net purchases, and receive automatic bonus points each month, plus earn cash back1 after your first purchase or redeem for travel rewards, merchandise and gift cards. More

 

VISA® Business Rewards PLUS Card
Watch your rewards add up even faster with 3 points per category you spend the most on: cell phone services, hotel, or airline. Plus, 1.5 points for every $1 you spend on all other eligible net purchases, and earn cash back1 after your first purchase or redeem for travel rewards, merchandise and gift cards. More

 

VISA Signature® Business Company Card
Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, plus earn cash back1 after your first purchase or redeem for travel rewards, merchandise and gift cards. Also enjoy consolidated statements, a dedicated account manager, and free online reporting. More

VISA® Community Card
Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, plus earn cash back1 after your first purchase or redeem for travel rewards, merchandise and gift cards. Also enjoy consolidated statements, a dedicated cardmember service, and free online reporting. More


Apply Now

Apply online or contact your Hometown Banker.  To receive an application by mail, submit your business name, address and preferred product through our Contact Us form.

By selecting to apply you are leaving the TowneBank site and going to the Elan Financial Services site.

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1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card
account within one to two billing cycles.

2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in
Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn
1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points
(for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the
merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total
of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the
following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply
store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points
expire five years from the end of the quarter in which they are earned.

Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time
bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not
all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember
Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including,
but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to
1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are
earned.

Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of
eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone
services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in
the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.