Business Credit Cards | United Community Bank
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Business Credit Cards

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Business Credit Cards

We Have Your New Business Card

Introducing the Business Credit Cards from UCB. We can help bridge cash flow, enhance buying power, or manage daily expenses. Our Business Credit Cards are flexible enough to work for any size business with any number of employees.

Business Community Points

The UCB Business Community Points credit card offers all of the benefits you need along with the personal service you expect.

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  • No Annual Fee
  • 16.74%-21.74% Variable Purchase APR1
  • 0% Introductory APR for 7 cycles2
  • Earn 1.5% on every purchase; redeemable for gift cards, merchandise, travel, or cash back credit
  • One-time bonus offer of 30,000 points after spending $8,000 in the first 90 days of account opening3
  • No Foreign Transaction Fees6
  • No Additional Cardholder Fees
  • Contactless Payments
  • Manage spending limits for all cardholders
  • Easy digital card maintenance using online tools


Business Preferred

Looking for a simple and convenient option? Get a competitive interest rate with a UCB Business Preferred credit card.

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View additional rates & disclosures

  • No Annual Fee
  • 13.74%-21.24% Variable Purchase APR4
  • 0% Introductory APR for 11 cycles5
  • Lower Rate Card
  • No Foreign Transaction Fees6
  • No Additional Cardholder Fees
  • Contactless Payments
  • Manage spending limits for all cardholders
  • Easy digital card maintenance using online tools


Add An Authorized Cardholder

Want to add an authorized cardholder to your account? Log in to your UCB Business Online Banking account and access the Credit Card tab.

  • Simple Sign Up & Card Management
  • Separate cards for employees to make purchases, while having one consolidated bill
  • Easily increase or decrease cardholders' spending limits
  • The Community Points card will earn rewards for your Business with every cardholders' qualifying purchase

Manage Your Cards

Existing cardholders can manager their business card portfolio within our Business Online platform or via this link.

  • View All Transactions
  • Connect to QuickBooks
  • Lock Card if Lost
  • Reset PIN
  • Replace Card & Report Lost/Stolen
  • Close Card
  • Add/Manage Users

For assistance in getting access to our Business Credit Card Management Tool, Click Here.

Terms & Conditions

1Variable Annual Percentage Rate (APR) applies based on credit worthiness when you opened your account. The APRs will vary with the market based on the Prime Rate as disclosed in your Account Opening Disclosure.

20% Introductory Annual Percentage Rate (APR) on purchases and balance transfers for the first 7 billing cycles after we open your credit card account. After that, 16.74% - 21.74% Variable Purchase APR applies based on credit worthiness when you opened your account.

330,000 bonus points after you spend $8,000 on purchases in the first 90 days from account opening. This new Cardmember bonus offer is not available to either (1) a current Cardmember of this business credit card, or (2) previous Cardmember of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months. You will earn points for every qualifying net purchase (purchases less returns). (“Net Purchases” do not include balance transfers, cash advances, foreign currency, money orders, or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind). To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Please allow up to 60 days for bonus points to post to your uChoose Rewards ® Program.

4 Variable Annual Percentage Rate (APR) applies based on credit worthiness when you opened your account. The APRs will vary with the market based on the Prime Rate as disclosed in your Account Opening Disclosure.

50% Introductory Annual Percentage Rate (APR) on purchases and balance transfers for the first 11 billing cycles after we open your credit card account. After that, 13.74% - 21.24% Variable Purchase APR applies based on credit worthiness when you opened your account.

6 Foreign Transaction Fees do not include currency conversion rates.