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Cash Back

Prefer to get cash back? Earn more for purchasing the things you need most for your business.

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Low Rate Cash Back Earn Rewards
Cash Back

Earn extra cash just for using your card

Wouldn’t it be nice to earn some extra cash for your business just for doing the things you do every day? It’s easy with this cash rewards option.

Visa® Business Cash Card
york traditions bank visa credit card

Earn up to 3% Cash Back

For those who want cash back, this card rewards you more for your everyday business purchases.

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Rewards Program

  • 3% cash back on all eligible net purchases from office supply stores and cellular phone, landline, internet and cable TV services.1
  • 2% cash back on restaurant and gas station eligible net purchases.
  • 1% cash back on all other eligible net purchases.
  • No caps or limits on the cash back you can earn, and you have five years to redeem for cash back.1
  • $25 cash back bonus after first purchase.2

Business Cardmember Benefits
Enjoy chip-enhanced acceptance and security, plus many valuable benefits and services including:

  • A convenient online expense management tool to help you organize and track your overall spending.
  • Free employee cards with individual credit limits.
  • Ability to have earned rewards points from employee card purchases added to the business owner’s points total.
  • See Business Card Features and Benefits for a complete listing of all card benefits.

Special Offers
Introductory 0.00% APR for the first 6 billing cycles on purchases* and balance transfers.

Purchase APR
After that, a variable APR, currently 16.24% to 25.24%.* See the Terms and Conditions for complete details.

Annual Fee
No Annual Fee

Minimum Requirements
Applicant must be 18 years of age and have a U.S. address and Social Security number.

Frequently Asked Questions 


*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.

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.

1 “Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $0.01 in Cash Back rewards earned is equal to 1 point. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. Points earned on Net Purchases (purchases minus credits and returns). Merchants are assigned codes based on what they primarily sell. 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 Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, land line, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations and restaurants. The number of additional Points earned on office supply store purchases, cellular phone, land line, internet and cable TV services, automated fuel dispensers, service stations and restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

2 Rewards 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. Monthly net purchase bonus points will be applied after each billing cycle.

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

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