Business Credit Cards

Flexible Options to Support the Growth of Your Business.

Accepted worldwide, First Reliance Bank’s VISA® credit cards provide convenient purchasing power for everyday expenses, travel, entertainment, and more. Enjoy the benefits of security and flexibility every time you use your card.

Card Features

Global Acceptance

Leverage the buying power of VISA

Enhanced Security

Contactless and EMV chip-enabled cards

Digital Wallet Compatibility

Supports Apple Pay, Samsung Pay, and Google Pay

Zero Liability Protection

You’re only responsible for purchases you authorize; unauthorized transactions are not your responsibility

Our Credit Card Options

Choose your business card type:
Business Credit Card - First Reliance Bank
Visa® Business Card Solutions
First Reliance Bank Commercial Purchase Card
Commercial Purchasing Card

Business Platinum Visa® Card

  • No annual fee.
  • Variable Annual Percentage Rate (APR)¹ based on Wall Street Prime Rate – currently 19.25% APR.
  • Manage business expenses 24/7 through business.cardservices.bank or SpendTrack mobile app.
    Click the icon to learn more: SpendTrack APP

Business Cash Back Platinum Visa® Card

  • Cash Back: 1% on all qualifying purchases with no cap.
  • $79 annual fee.
  • Variable Annual Percentage Rate (APR)¹ based on Wall Street Prime Rate – currently 17.25% APR.
  • Manage business expenses 24/7 through business.cardservices.bank or SpendTrack mobile app.
    Click the icon to learn more: SpendTrack APP
Subject to credit approval.
¹ Annual Percentage Rate (APR) is subject to change based on market conditions.

Commercial Purchasing Card (PCard)

The First Reliance Bank Purchasing Card is designed to help your organization accelerate the procurement process and improve cash flow. At the same time, it can dramatically reduce paperwork and administrative costs.

Click the icon to learn more: SpendTrack APP

All-in-one functionality
  • Chip-enabled VISA Purchase Card, supports contactless payments.
  • Mobile Wallet compatible (Apple Pay, Google Pay etc).
  • Robust and highly customizable online portal.
  • Real-time card management and expense tracking.
  • Mobile App.
  • Improve cash-flow, protect capital on the front end (Net 55 day).
  • Fraud Protection.
  • Cash Back Rebate on all purchases.
  • Clear and simple pricing, great value.
  • Unlimited cardholders: consolidate all your card programs under one: T&E cards, restricted cards (like fuel-only) and payables.
  • VISA Payables Automation: optional add-on to pay your suppliers by virtual card.
Wide range of usage, industry, and business structures
  • Real Estate Management Companies
  • Senior Living Facilities
  • Construction Contractors
  • Road Builders
  • Law Firms
  • Restaurants/Breweries
  • Medical Providers
  • Landscape Companies
  • Non-Profits
The purchasing card is a perfect solution for clients that need additional functionality and reporting beyond what a standard business credit card offers.
Card Management:
  • Monitor real time spending.
  • Restrict transactions by pre-setting velocities/limits down to the individual cardholder.
  • Customer can: Add/delete cardholders, add/remove MCC restrictions, increase/decrease spend limits, change card status, view approvals/declines, print statements, create and maintain user logins and make payments, all in real time.
Reporting:
  • Enhanced reporting: access to pre-built reports and ability to create custom reports. If a merchant captures level 3 data (itemization) this can be viewed online. Data mapping option for creating upload files to accounting software.
  • Reports Dashboard: visual overview of how the program is working for you.
  • Automate expense management reporting /remote receipt capture.
Payables:
  • Streamline your payable process. Access to a virtual payables tool: Visa Payables Automation

The purchasing card provides power that follows you wherever your business takes you, with worldwide acceptance and extensive benefits. That means you gain spending capability that combines with flexibility to truly fit your needs.

  • Chip-enabled VISA Purchase Card, supports contactless payments.
  • Mobile Wallet compatible (Apple Pay, Google Pay etc).
  • Robust and highly customizable online portal.
  • Real-time card management and expense tracking.
  • Mobile App.
  • Improve cash-flow, protect capital on the front end (Net 55 day).
  • Fraud Protection.
  • Cash Back Rebate on all purchases.
  • Clear and simple pricing, great value.
  • Unlimited cardholders: consolidate all your card programs under one: T&E cards, restricted cards (like fuel-only) and payables.
  • VISA Payables Automation: optional add-on to pay your suppliers by virtual card.
Subject to credit approval.
¹ Annual Percentage Rate (APR) is subject to change based on market conditions.

GET YOUR PURCHASING CARD TODAY!

Call 888.543.5510 or visit your local First Reliance Bank Branch to get started.
Woman holding a smartphone displaying First Reliance Bank’s credit card app

Manage Your Card with Ease

Online Credit Card Services

Real-Time Alerts:

Set up notifications for all purchases, specific transactions, or declined attempts.

Transaction Management:

View purchases, add memos, and categorize spending for easy tracking.

Card Controls:

Activate your card, set or change your PIN, and report lost or stolen cards directly online.

SpendTrack APP

SpendTrack Mobile App

Comprehensive Oversight:

Oversee all of your business activity at a glance

Payment Management:

Handle transactions and payment options seamlessly.

Profile Updates:

Modify personal information as needed.

Custom Alerts:

Set up notifications to track payments and balances.

Manage your Business 24/7:

Control your finances with confidence, anytime, anywhere.

On-the-Go Access:

Manage your account anytime, anywhere via the app, available on the Apple App Store and Google Play Store.

First Reliance Bank business credit card app screenshot
CentreSuite APP

CentreSuite - Access your Commercial Purchasing Card Program

Manage business expenses, card alerts/controls, report generation, and data exports 24/7 through www.centresuite.com or the CentreSuite mobile app:

CentreSuite Mobile

Customer Support regarding your
Business Platinum Credit Card

Business Platinum Credit Card:

1.888.999.3340

Customer Support regarding your
Commercial Purchasing Card Program

Commercial Purchasing Card (PCard) Program:

1.888.514.6840

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