Business Credit Cards

The Purchasing Power Your Business Deserves.

Efficient management of expenses empowers your business to become stronger and more competitive. Our credit card products are designed to help bridge cash flow gaps, keep track of your company’s expenses and enhance the buying power you need to operate your business. 

We offer a full range of credit card products and reward options that are perfect for everyday business expenses as well as your long-term product, inventory and equipment needs.

Along with the recognition of the Mastercard® brand, you’ll be carrying a card from a local bank you know and trust. Let us help you find the credit card that best suits your needs!

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Card Features

Our credit card products offer several valuable benefits for enhanced security and protection. Each credit card offers these great Mastercard® Platinum benefits:

Mastercard Global Service™

Receive around-the-clock customer service assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs and help with card-related questions.

Reporting options that allow businesses to separate and manage expenses

Separate business expenses, manage cash flow, track spending and better forecast for the future.

Individual credit lines and spending limits for different employees

Convenient, online access allows your business to adjust the credit limit on any employee card, as often as necessary, 24 hours a day, 7 days a week.

 

Secure Contactless Payments

Apple Pay®, Samsung Pay® and Google Pay® offer contactless payment technology on supported devices.

Choose the credit card that’s right for your Business

Whether you need more purchasing power, are looking to consolidate debt, or want to earn cash back, we have the right card for you.

Business Platinum

Get a competitive Annual Percentage Rate (APR) and Mastercard benefits like MasterRental® coverage for you and your employees. Add employee cards at no extra cost and set individual spending limits. Enjoy lower finance charges if you carry a balance from month to month.

Intro Offer: Introductory offer of 0% APR on purchases and balance transfers for 6 months. After that, the variable APR will be 11.24% to 19.24% APR based on creditworthiness. A Balance Transfer fee of $10 or 3% of the amount of the transfer, whichever is greater, will apply to each balance transfer. Balance Transfers subject to available credit. Terms and Conditions

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Business low rate Platinum

Our lowest variable Annual Percentage Rate (APR) card is an option for those who may carry a balance from month to month. This is the perfect card to simplify your business finances by consolidating balances. With a low APR, this card is ideal for anyone that wants to pay off balances from other higher APR credit cards.

Intro Offer: No balance transfer fee for the first six months. After that, a balance transfer fee of $10 or 1% of the amount of the transfer, whichever is greater, will be assessed for each balance transfer. Balance Transfers subject to available credit. Terms and Conditions

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Business Platinum Rewards

Get rewarded for your business spending by earning 1% cash back on all purchases that can be used for statement credits or a direct deposit into your checking account.1 There’s no limit to your cash back earnings, and you can set individual spending limits for employees.

Terms & Conditions

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Business World Elite

Open the door to the exciting world of fine dining, luxurious spas, high-end shopping experiences, live performing arts events, and more with the Mastercard World card. You will earn 1% cash back on all purchases1, 2% for gasoline purchases and 3% for dining and travel purchases like airfare, hotel and car rental.3

Intro Offer: Earn an additional $500 cash back when you spend $5,000 within the first three months after account opening.2 Terms & Conditions

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Our Business Cards Work As Hard As You Do

Apply today!

Manage expenses and enhance buying power needed to operate your business with the BayCoast Bank Business Mastercard®. Visit one of our convenient locations or call us to learn more about our credit cards.

Commercial Credit Cards

Our suite of commercial Mastercards are perfect for companies in need of larger credit lines and a greater number of employee cards with individual limits. To learn more about these options and obtain the right mix of cards for your organization, please contact a member of our commercial lending team.

Corporate
Card

Enjoy easy expense management for virtually all business expenses ranging from travel, hotel, and restaurants to couriers, office supplies and more. You’ll also spend less time authorizing and tracking transactions across your organization.

Terms and Conditions

Corporate Rewards Card

Get all the benefits of our Corporate card and earn cash back on your business purchases.1

Terms and Conditions

Corporate Purchasing Card

You’re in control with comprehensive expense management and reporting capabilities. Purchasing cards eliminate the need for paper checks which may reduce internal processing costs for purchase and invoice payments.

Terms & Conditions

All credit cards subject to credit approval. Ask for details.

“Mastercard” and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to Benefits for specific benefit configuration.

1. For details on Rewards Program, please visit https://baycoastbank.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.

2. Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on Rewards Program, please visit https://baycoastbank.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.

3. We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back, as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.

Apple Pay® is a registered trademark of Apple, Inc. Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd. Google Pay® is a registered trademark of Google LLC.