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Rewards Business Mastercard®

Keep you charging forward with your business. 

It’s one of the most essential financial tools for business – and CRCU knows how to make it great. Our business credit card doesn’t just offer competitive rates and worldwide access. It also rewards you for every purchase.

  • Earn 1.5 points** for every $1 spent
  • Redeem rewards for cash back, gift cards, merchandise, and more
  • No annual fee
  • Worldwide acceptance for global purchase power
  • Competitive rates
  • Travel assistance with rental car insurance, extended warranty, and more
  • No penalty interest rates for cash advances or balance transfers

More Benefits:

Mastercard® Mobile Receipt Management

Mastercard® offers a free Mobile Receipt Management app for all Small Business cardholders in the United States. Snap photos of receipts to help manage your business's financial health.

Learn More

Mastercard® ID Theft Protection™

Mastercard® ID Theft Protection provides you with access to a number of resolution services, should you believe you are a victim of identity theft.

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Cellular Wireless Telephone Protection

Pay your monthly cell phone bill for your Eligible Cellular Wireless Telephone with your Mastercard® and you may be reimbursed for the actual cost to replace or repair it if it’s stolen or damaged.

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Intuit® QuickBooks® Online Discount

Sign up for a 30-day free trial and save up to 50% on QuickBooks Online products. This accounting software is designed to help manage your business.

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Mastercard® Travel & Lifestyle Services

Enjoy a suite of benefits, amenities, upgrades and premium travel offers – from best-in-class hotels, air travel, tours, cruises, car rentals and more.

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MasterRental® Insurance Coverage

MasterRental® will cover physical damage and theft of the vehicle, reasonable loss of use charges imposed by the rental company, towing charges, theft or damage to personal effects in transit in the rental vehicle and more.

Learn More

Download the Business Mastercard® Guide to Benefits

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Mastercard® Global Service™

Mastercard® Global Service provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement and Emergency Cash Advance.

For an emergency within the United States call 1-800-MasterCard

Learn More

Rates & Fees

Card Features Details
Intro APR* N/A
APR*, Cash Advances, and Balance Transfers

16.24% to 17.99% when you open your account, based on the account guarantor’s creditworthiness.

After that, your APR will vary with the market based on the Prime Rate.

Annual Fee $0
Earn 1.5 points** for every $1 spent
Balance Transfer Fee 2.00% of the amount of each balance transfer
Foreign Transaction Fee 1.00% of each transaction in U.S. Dollars
Mastercard® Zero Liability*** Yes
Late Payment Fee $25.00 when the minimum payment is not made within 10 days of the payment due date
Returned Payment Fee $25.00
Returned Convenience Check $25.50
Rush card fee $27.50
Copy of Stop Check $5.00
Stop Payment of Check $15.00

*APR = Annual Percentage Rate. All terms, including the APRs and fees, are subject to change at any time, for any reason, in accordance with the AGREEMENT & DISCLOSURE STATEMENT and applicable law.  Please contact us for more information. Limited time offer. Membership required.

**Business Rewards and Personal Rewards Points cannot be combined. "Swipes" and "purchases" do not include ATM transactions, returns, checks or overdraft advances. Mastercard® is a registered trademark of Mastercard® International. Program offering can change at any time. For complete details about personal rewards program.

***With MasterCard®'s Zero Liability policy you are protected from all unauthorized transactions on your card. MasterCard's Zero Liability policy does not apply to cards used primarily for business, commercial, or agricultural purposes. For more information about MasterCard®'s Zero Liability policy, click here

View, pay, and manage your CRCU credit card account at eZCardinfo.com. You'll be able to view more than a year's worth of statements, make payments, quickly receive balance, transaction history, payment due date, and much more.  Questions?  Contact Us, we're here to help!

How to get yours

Download and complete our application and email it to our business services experts – Nancy.Pritchett@crcu.orgLaura.Kunefke@crcu.org or Blake.Richardson@crcu.org
A representative will contact you soon!


Please note that to process your application, we will initialize a credit pull on all applicants and will require:

1. Personal Financial Statement 
2. 3 years of personal tax returns 
3. 3 years of business tax returns 
4. 3 years of business financials 
a. Profit/Loss Statement
b. Balance Statement 
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Have questions? We can help.

Call one of our business services experts at 281.422.3611.

Nancy Pritchett x3532
Laura Kunefke x3531
Aaron Rathbone x4141

Frequently Asked Questions

How do you calculate my balance?

We use a method called "average daily balance."

How do I redeem my rewards credit card points?

You can redeem via statement credit, merchandise, or gift cards by logging into Online Banking and clicking “credit card.” 

Can I add an authorized user onto my business credit card?

Yes, you would need to come into any CRCU branch and fill out an authorized user form.

How can I pay my credit card?

You can use our mobile app, online banking, call our call center, or set up an automatic payment.

How do I avoid paying interest on purchases?

Your due date is at least 21 days after the close of each billing cycle. We will not charge interest on purchases if you pay the entire balance by the due date each month.