Flexible Business Credit Cards for Your Everyday Expenses
It’s Easy to Manage Cash Flow and Earn Rewards!
Apply for a Business Credit CardsWhether you’re covering everyday expenses or building business credit, a business credit card from Points West Community Bank helps keep your finances flexible and your records organized. With competitive rates, secure access, and a trusted local team, we make it easy to manage to manage your business expenses.
Why Choose Points West for Business Credit Cards?
When you apply for a business credit card with us, we offer fast decisions and local service with options for small businesses and commercial needs, giving you a trusted partner for your complete business banking relationship. We also offer easy account management and expense tracking online.
Business Credit Card Benefits
We offer the best business credit cards with three options to choose from. They offer flexible credit limits based on your business profile and your business could earn cash back or reward points with every purchase.
You can also track employee spending with your business credit cards and manage your purchasing power with real-time card controls that include requests, notifications, approvals for credit limits, merchant categories, and more. With online account access, you can simplify your bookkeeping and financial reporting. We have three business credit cards to choose from, so you can find one that fits your needs.
How to Apply for a Business Credit Card
To get a business credit card from Points West Community Bank, just take the following steps:
1. Meet with a Points West business banking expert.
2. Choose the card program that best fits your business.
3. Submit your business financials and documentation.
4. Receive fast approval and card issuance.
5. Begin managing your spending with built-in benefits
Start My ApplicationGet An International Credit Card from Your Own Neighborhood Bank
We know you have banking choices in the tri-state area, and we believe our business credit card options are a great way to help the communities we serve across Colorado, Nebraska, and Wyoming.
In Colorado, we serve communities throughout the Front Range, including Fort Collins, Loveland, Greeley, Wellington, and Windsor.
In Nebraska, we support families and businesses across the Panhandle and central counties, with locations in Sidney, Chappell, Fullerton, and beyond.
In Wyoming, our branches provide personalized service in Torrington, Lingle, Pine Bluffs, Douglas, and surrounding communities.
Wherever you bank with us, you’ll find local bankers who have a personal interest in seeing you succeed because we live here too.
Put Flexible Purchasing Power in Your Pocket
When you get a business credit card with us, you’ll receive cashback or points on purchases with a card that makes it easy to manage your business finances and keep track of your accounts. We also offer business checking and savings accounts. Please contact us to get started and check out our blog for information on a wide range of business and financial topics.
Apply for a Business Credit Card Contact a Local LenderBusiness Credit Card FAQs
A business credit card helps manage everyday expenses, improve cash flow, and simplify recordkeeping. It provides convenient purchasing power for travel, supplies, online payments, and recurring expenses, while offering detailed statements to help track and categorize spending.
Qualification is typically based on your personal and/or business credit history, income, and overall financial profile. Our card provider will review your application and determine eligibility based on standard underwriting criteria.
A business credit card is designed specifically for business-related expenses. It offers expense tracking features, the ability to issue employee cards, and spending controls that help separate personal and business finances. Keeping business purchases separate can also simplify accounting and tax reporting.
Yes. Our business credit card program allows you to issue additional cards for employees. You can set spending limits and monitor usage, giving you better control over company expenses.
Annual fees vary depending on the specific card product selected. Some cards may offer no annual fee options, while others with enhanced benefits or rewards may include a fee. Full details are provided during the application process.
Your credit limit is determined based on factors such as credit history, income, business financial strength, and overall repayment ability. Limits are assigned at approval and may be reviewed over time.
Yes. Business credit cards can typically be used for online transactions and international purchases wherever the card network is accepted. International transaction fees may apply depending on the card type.
Responsible use of a business credit card — including making payments on time and maintaining reasonable balances — may help strengthen your business credit profile over time.
In most cases, you do not need to have a business checking account with Points West to apply. However, maintaining your business banking relationship with us can simplify payments and overall cash management.
Yes. Depending on the card selected, rewards or cashback options may be available. Specific benefits, earning structures, and redemption details are outlined during the application process.