Build credit and keep business and personal expenses separate
Build credit and keep business and personal expenses separate
Business Credit Cards
WaFd Bank Business Credit Cards are designed for business owners, with tools and features to make managing expenses and authorized user spend easy and convenient whether you're running a small business, growing a mid-sized company, or managing a large corporation.
Small Business Cash Back Credit Card
Best for: Small business
- Automatic cash back with every purchase
- Add up to three authorized users
- Digital Wallet ready
- Built in benefits from Visa®
- Backed by your personal credit for easier approval
Commercial Preferred Solution Credit Card
Best for: Middle market businesses and corporations
- Online card management keeps everything in one place
- Virtual card options allows for more control to authorize company spending
- Expense management to save you time and money
Purchasing Card
Best for: Large middle market businesses and corporations
- Easy expense management tools
- Earn competitive cash rebates based on spend
- Customizable spending restrictions with virtual cards available upon request
Commercial Preferred Credit CardView Details | Purchasing Credit CardView Details | ||
|---|---|---|---|
| Fee | No annual or monthly fee | No annual or monthly fee | No annual or monthly fee |
| Billing cycle | Assigned at onboarding | 3 billing cycle options available, choose from weekly, bi-weekly, and monthly | 3 billing cycle options available, choose from weekly, bi-weekly, and monthly |
| Monthly payment | Varies | Varies | Balances must be paid in full each month |
| Access | Up to 3 authorized users can be added and will have the same access to the full credit line | Individual card limits by monthly charge amount | Individual card limits by monthly charge amount |
| Rewards | Cash back rewards via automated statement credit | Points based rewards program | Cash rebate program based on your company's quarterly or annual spend |
| Accounts management | View 24 months of statements and transaction details, set account alerts, make payments, dispute transactions, and more | View and export 24 months of transaction details and statements, add, cancel, and manage cardholder limits, self-administered MCC restrictions, make payments, dispute transactions, and more | View and export 24 months of transaction details and statements, add, cancel, and manage cardholder limits, self-administered MCC restrictions, make payments, dispute transactions, and more |
| Expense management | Monthly statement. Expense directly to your GL system | Online tool to prepare and submit expense reports Expense directly to your GL system | Online tool to prepare and submit expense reports Expense directly to your GL system |
| Optional features | N/A | Expense management, virtual card, Visa® VCF direct integration | Expense management, virtual card, Visa® VCF direct integration |
Loans subject to credit approval. Certain terms, conditions, and exclusions apply.
Please refer to your Visa Guide to Benefits and Cardholder Agreement for details.
Compare Business Credit Cards
Loans subject to credit approval. Certain terms, conditions, and exclusions apply. Please refer to your Visa Guide to Benefits and Cardholder Agreement for details.
CASH MANAGEMENT
Gain more and seize growth opportunities to scale up
- See all bank and credit card activity in one place
- Track profitability in real time
- Visualize business cash flow with projections to plan for seasonality
LOANS & LINES OF CREDIT
Get the funding you need to support cash flow, working capital, or other needs
- SBA Loans and Lines of Credit
- Business Loans and Lines of Credit
- Business Credit Cards
Subject to credit approval.
*FREE BUSINESS CHECKING
Straightforward and perfect for managing a small business
- Pay bills online
- Mobile photo deposit
- Access images of deposited items
- Option to upgrade your account with services like eWires and ACH payments
Navigate your business confidently with expert knowledge and guidance.
10 Strategies to Optimize Cash Flow Management
Good cash flow management is crucial to grow, stay relevant, and have a successful business overall. You can use several strategies to keep cash flow open, and WaFd Bank is here to help.
How to Establish and Build Business Credit
Strong business credit allows you to access better financing options, lower interest rates, and higher purchasing power.
How to Qualify and Apply for a Small Business Credit Card
Part of owning a business is building business credit, whether you freelance or own a business with several employees.
Frequently Asked Questions
- WaFd Bank Cash Back Rewards Visa Signature® Cardholder Agreement
- WaFd Bank Cash Back Rewards Visa® Cardholder Agreement
- Visa® Guide to Benefits (Signature tier version)
- Visa® Guide to Benefits (Traditional tier version)
The WaFd Bank Privacy Notice is available in the Privacy Center.