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Credit Cards

Vision Bank Credit Cards

A credit card is a type of payment card in which charges are made against a line of credit instead of the account holder’s cash deposits. When someone uses a credit card to make a purchase, that person’s account accrues a balance that must be paid off each month. Although failure to pay off the credit card on time could result in interest charges and late fees, credit cards can also help users build a positive credit history.


Whether you’re interested in rewards, cash back, a lower interest rate or building credit, we have a card for you. Our variety of credit cards offer a full-range of reward options, competitive pricing, and the latest EMV chip card technology to keep your account safe and secure.

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Our business credit cards help you to track expenses and manage your cash flow. Business credit cards can also save you thousands every year. You can get more out of your business expenses by using a credit card with rewards like hotel stays, cash back, and valuable discounts.

Small-business credit cards occupy a niche between personal credit cards and corporate cards. They’re an option for owners of small and midsize enterprises that haven’t built enough of a business credit profile to qualify for corporate cards. You must operate a business to apply for one of these cards, although it doesn’t have to be incorporated. Even sole proprietorships can qualify. The key thing to understand about small-business credit cards is that the account holder is personally responsible for the debt on the card and can be required to pay it in the event the business fails. This makes them different from corporate cards, where only the company is liable for the debt.

The application will usually ask for information about the business — including its name, its legal structure, its tax ID number (which can be the owner’s Social Security number if it’s a sole proprietorship) and its annual revenue — as well as information about the individual guaranteeing the debt.

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Pay for purchases directly from your checking account and withdraw funds from ATMs. A Debit Card is fast and more convenient than writing checks. There’s no need to carry a bulky checkbook. Just like credit cards, debit card benefits include:

  • Accepted around the world wherever major credit cards are accepted
  • Safer than carrying cash
  • Detailed transactions on your monthly checking statement


Please call 952-920-8400 to speak with a Personal Banker about any of our Credit Cards. Or use our contact form:

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