Enjoy these great rewards with your Card.

25,000 Bonus FlexPoints.

Kickstart your travel and earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on the Account Owner's Card within the first four months of account opening.1

2X Gas, Office Supplies or Airlines.

Earn Double FlexPoints for every net $1 spent at gas stations, office supply stores or airlines — whichever you spend most on each monthly billing cycle.2

2X Cellular Providers and Charity.

Earn double FlexPoints for every net $1 spent at most cell phone service providers and qualifying chartiable donations.3

Redeem Rewards Instantly.

Use your mobile device to instantly redeem FlexPoints for almost any purchase with Real-Time Mobile Rewards.4

Treat Yourself to In-Flight Treats.

$25 Airline Allowance offers reimbursement for up to $25 per air travel award ticket toward baggage fees, in-flight food and drinks, or a seat upgrade. 5

Annual Fee Credit.

Receive a credit for your $55 annual fee back to your account if $24,000 or more in net purchases posts to your company's account within your 12-month annual statement year. You may add additional cards to your account for $10/year.6

View Terms and Conditions


FlexPerks Visa CardDelta Skymiles CardChase Ink Card
World's Most Ethical Companies Award
Yes. The only U.S. bank awarded four years in a row No No
Annual Fee
$55 $0 for the first year, then $95 $95
14.24% to 25.24% 17.99%-26.99% 18.24%-23.24%

2 points at gas stations, office supply stores or airlines (whichever is greater)2

2 points on charity purchases3

2 points at cellular providers3

1 point everywhere else7

2 miles on Delta purchases

1 mile everywhere else

3 points on travel, shipping, internet, cable, phone services and social media/search engine advertising

1 point everywhere else

Limit on Rewards
No limit No limit

3X categories earn accelerated points on up to $150,000 in combined category purchases

No limit on all other purchases

Accurate as of 12/2018 for the features shown here. Visit our Credit Card Comparison for more options.

Monthly spend and FlexPoints earning example:

If your Monthly spend is:

  • $1,500 on airlines (2 FlexPoints per eligible net dollar spent).
  • $475 on cell phone service providers (2 FlexPoints per eligible net dollar spent).
  • $2,300 in other expenses (1 FlexPoint per eligible net dollar spent).

You would earn 75,000 annual FlexPoints.

Additional features to help you manage your business.


Keep your business
purchases secure

Help protect your business from unauthorized purchases with:

  • Zero fraud liability8
  • Chip technology.
  • 24/7 fraud monitoring.

24/7 Dedicated Service

Here when you need us

Running a business is a 24-hour job, so our 100% domestic servicing center provides 24/7 dedicated service when you need it most.

Card Controls

Spending Controls
and Efficiency

Customize your employees’ business credit cards to control where, when and how your employees use them.

  • Set controls by time, place, and dollar amount
  • Customize payment due dates
  • Set up account alerts and interest-saving tools9

Online reporting

Track your spending

Free online tool that provides instant access to reporting that is designed to give you a clearer picture of your credit card spending.

Accept payments

Accept all payment types

Enable your customers to pay with credit and debit cards along with mobile wallets, like Apple Pay and PayPal.

Two ways to earn

Encore Relationship Rewards

The only bank that rewards you for taking payments and making purchases. Learn more about Encore Relationship Rewards.