Take Charge Of Your Business Expenses

Choosing a credit card that makes sense for your business is a major decision. Moreover, there are as many factors to weigh and features to compare as there are types of businesses. At Guaranty, we recognize that there’s no one-size-fits-all business credit card solution — especially for the innovative self-starters who power the Lone Star State’s economy.

That why we’ve carefully selected an array of credit cards that are all business. Each card comes with award-winning expense management tools, cashback rewards, free employee cards, EMV smart chip technology for added security, and mobile purchasing capability for maximum convenience. In other words, we’ve sweated the small details so you can focus on which card fits in the big picture of your business’s bright future.

Interested in learning more? Ready to apply? Connect with a Guaranty banker or visit a Guaranty location near you today.

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Guaranty Credit Cards For Small To Mid-Sized Businesses

Business Cash Card¹ ²

Earn up to 3% cash back on eligible net business purchases.

Business Real Rewards Card³

Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).4

Smart Business Rewards Card³

More Rewards. Less Rules. No Point Limits. Earn 2X rewards in your top 2 categories.

Plus so many more...

Learn More About Business Credit Cards

We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

Subject to credit approval.

*The introductory rate does not apply to cash advances. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply payments to balances with lower APRs, including promotional APRs, before balances with higher APRs. Balance transfer fees will apply.

1The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember

2Cash Rewards: "Cash Back Rewards" are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point earned is equal to $0.01 when redeemed. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant's code is not eligible. You will earn 1 Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will earn additional Points as follows for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified as automated fuel dispensers and service stations or restaurants (1 additional Point); and office supply stores or cellular phone, landline, internet and cable TV services (2 additional Points). Office furniture stores, direct marketing services and printing services may not qualify as office supply stores. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

3Smart Business Rewards Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant spend categories ("Highest Categories") each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. Please visit https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant's code is not eligible. Points expire five years from the end of the quarter in which they are earned.

4Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, within seven business days, or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus points are awarded only on the Authorized Officer purchases. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.

Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Your Friendly Neighborhood Business Advisors

Guaranty’s bankers are more than tellers and vault-keepers. They’re experts in financial growth who are committed providing an exceptionally personalized level of customer service. Where most banks just see you as another number, we treat you like the neighbor you are. Visit your nearest Guaranty location today to learn more about what you stand to gain by choosing to do business with a community bank.

Request An Appointment Bank Local

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