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Business Credit Card

Business Credit Card

Get the card that puts money back into your business.

A businessman handing Montecito Bank and Trust business credit card to a server's hand.
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Multiple cards. One easy-to-manage account.

Do you need credit cards for your employees AND a rewards program that pays you back? With our business credit cards you have the flexibility to restrict each card individually while enjoying the convenience of making one simple payment each month.

Montecito Bank and Trust business card.

Earn cash back on every purchase! We call that easy savings.

Cash Back Rewards
No Annual Fee
Digital Wallet Compatible

The Details

Rewards
  • Earn 1 point for every $1 spent on purchases
  • Automatically see cash back rewards on every monthly statement
Annual Fee $0
APR 16.49% to 24.49% based on creditworthiness
Balance Transfer Fee Either $5 or 3% of the balance transfer, whichever is greater
Credit Limit Up to $100,0001
Additional Features
  • Compatible with ApplePay®, SamsungPay®, GooglePay®
  • Online card management access for administrators and cardholders
  1. Subject to credit approval.

Reward Details

How do I enroll? Enrollment is automatic. You earn points starting from your first purchase.
How to earn rewards? Each $1 spent on purchases will earn 1 point. Each point is valued at $0.01 as cash back.
Where can I see the points I earned? The total number of points earned during the statement period will display on your monthly account statement.
How do I redeem points? Points accrue and credit back automatically to your monthly statement in the form of a cash credit.
What doesn’t count towards the point total? Balance Transfers and Cash Advances, either through an ATM or over the counter, do not add to the point total.
Hand that is holding a phone and another hand on the keyboard of a laptop.

Easy Online Card Management

Our online card management platform, SpendTrack, gives your business card adminstrators online access to make payments, monitor spending, update card limits, and more! Available online or by mobile app.