Flexibility, convenience, automatic cash back*
Flexibility, convenience, automatic cash back*
Small Business Cash Back Credit Card
Running a business is demanding, but managing your expenses shouldn't be. The WaFd Small Business Cash Back Credit Card helps you separate business and personal finances, track spending, and earn cash back while keeping things simple and flexible.
Automatic cash back
Automatic cash back
Digital wallet ready
Digital wallet ready
Built-in benefits from Visa®
Built-in benefits from Visa®
Features & benefits:
- Cash back with every qualified purchase via automated statement credit
- No annual or monthly fee
- Contactless payment options
- Add up to 3 authorized users
- Lower credit limit with a competitive rate
- Backed by your personal credit for easier approval
Best if you:
- Are just starting your business
- Want to simplify expense tracking
- Need cash back rewards
- Prefer digital wallet payments
- Value travel benefits
WaFd Bank's Small Business Cash Back Credit Card is Best for Startups & New Businesses
| Product/feature | Best for | Key benefit |
|---|---|---|
| Small Business Credit Card | Startups & new businesses | Build credit and separate business expenses |
| Includes automatic cash back | Everyday purchases | Get statement credit automatically, no points to redeem |
| Includes Visa Signature® benefits | Travel & emergency needs | Roadside assistance, travel protections, and emergency support where eligible |
| Includes digital wallet integration | Mobile-first entrepreneurs | Make secure, fast payments with Apple Pay®, Google Pay™, and Samsung Pay® |
Small Business Credit Card
- Best for: Startups & new businesses
- Key benefit: Build credit and separate business expenses
Includes automatic cash back
- Best for: Everyday purchases
- Key benefit: Get statement credit automatically, no points to redeem
Includes Visa Signature® benefits
- Best for: Travel & emergency needs
- Key benefit: Roadside assistance, travel protections, and emergency support where eligible
Includes digital wallet integration
- Best for: Mobile-first entrepreneurs
- Key benefit: Make secure, fast payments with Apple Pay®, Google Pay™, and Samsung Pay®
Loans subject to credit approval. Certain terms, conditions, and exclusions apply. Please refer to your Visa Guide to Benefits and Cardholder Agreement for details. Applicant must be the owner, member, governor, or have the proper authority, per business documents, for the business to qualify. Underwriting is based on your personal credit. You are personally responsible for the payment of all balances incurred on this account. All account activity is provided to credit reporting agencies as applicable.
Our knowledgeable and experienced bankers are ready to help.
Expand your financial capacity with our integrated business banking solutions, designed to scale with your goals.
*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
eACH
A secure and fast way to send and receive payments
- Vendor Payments
- Payroll
- Payment Collection
ADDITIONAL OPTIONS
More ways to upgrade your account
- Treasury Prime for ultimate control over business accounts
- Sweep Accounts
- Zero Balance Accounts
- eWires: send domestic and International wires quickly
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
Terms and Conditions
- WaFd Bank Cash Back Rewards Visa® and Visa Signature® Rate
- 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)
- ScoreCard® Cash Back Rewards Program Rules
*2% cash back can be earned for gas, grocery, and pharmacy purchases for Visa Signature® cardholders and 1% cash back earned for all qualified purchases for both Visa® and Visa Signature® cardholders.
**Subject to credit approval. Certain terms, conditions, and exclusions apply. Please refer to your Visa Guide to Benefits and Cardholder Agreement for details.
The WaFd Bank Privacy Notice is available in the Privacy Center.