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Find the card that's the right partner for you.

Maximize your purchasing power with a card that fits your business model.

Businesses have a range of purchasing patterns and spending priorities, so Middlesex Savings Bank offers a variety of business credit cards and lets you choose the one with the features you find most valuable. No matter which card you select, you'll enjoy:

  • Access to expense management tools and added security benefits
  • Free employee cards
  • Europay®, Mastercard®, and Visa® smart chip technology for added security
  • Mobile purchasing for added convenience

Visa® Business Cash Card

Get more flexibility with the card that offers the highest rewards on widely used products and services.

  • 3% cash back1 on eligible net purchases from office supply stores, phone and TV services2,4
  • 2% cash back on eligible restaurant and gasoline net purchases
  • 1% cash back on all other eligible net purchases
  • No caps or limits on the cash back you can earn, and you have five years to redeem for cash back
  • $25 cash back awarded after first purchase3

Visa® Business Real Rewards Card

Earn extra points on just about all purchases and use your rewards the way you want. 

  • Earn 1.5 points for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn
  • Take up to five years to redeem points for rewards4
  • 2,500 bonus rewards points awarded after first purchase3

Visa® Business Rewards PLUS Card

Earn extra rewards when your business takes you on the road.

  • Earn 3 points for every $1 in the category you spend the most on: cell phone service, hotel, or airline6
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases
  • Plus, earn 20,000 one-time bonus points for spending $2,000 in the first 3 months3
  • No cap or limit on the total cash back you can earn
  • Take up to five years to redeem your rewards4

Visa® Business Platinum Card

Pay down balances quicker with a low introductory rate that can cut your monthly costs.

  • Pay down other credit card balances faster with a low introductory rate for an extended time
  • Competitive interest rate after introductory period ends
  • Save on interest in the short term and over the long run
  • Non-rewards
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Visa® Business Cash Card
  • 3% cash back1 on eligible net purchases from office supply stores, phone and TV services2,4
  • 2% cash back on eligible restaurant and gasoline net purchases
  • 1% cash back on all other eligible net purchases
Visa® Business Real Rewards Card
  • Earn 1.5 points for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn
  • Take up to five years to redeem points for rewards4
Visa® Business Rewards PLUS Card
  • Earn 3 points for every $1 in the category you spend the most on: cell phone service, hotel, or airline6
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases
  • Plus, earn 20,000 one-time bonus points for spending $2,000 in the first 3 months3
Visa® Platinum Business Card
  • Pay down other credit card balances faster with a low introductory rate for an extended time
  • Competitive interest rate after introductory period ends
  • Save on interest in the short term and over the long run
  • Non-rewards
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Overview
  •  3% cash back1 on eligible net purchases from office supply stores, phone and TV services2,4
  • 2% cash back on eligible restaurant and gasoline net purchases
  • 1% cash back on all other eligible net purchases
  • $25 cash back awarded after first purchase3 
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
  • 2,500 bonus rewards points awarded after first purchase3
  • Earn 3 points monthly for every $1 you spend the most on: cellular phone service, hotel, or airline6
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases
  • Plus, earn 20,000 one-time bonus rewards points after you spend $2,000 in the first 3 months3
  • No cap or limit on the total cash back you can earn, and you have five years to redeem for rewards4
  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards
Special Offers
  • Introductory 0.00% APR for the first 6 billing cycles on purchases. * and balance transfers.
  • Introductory 0.00% APR for the first 6 billing cycles on purchases. * and balance transfers.
  • N/A
  • Introductory 0.00% APR for the first 15 billing cycles on purchases. * and balance transfers.
Annual Fee
  • No annual fee
  • No annual fee
  • First year free, then $99 Annual Fee
  • No annual fee
Purchase APR
  • After that, a variable APR, currently 13.99% to 22.99%.* See the Terms and Conditions for complete details.
  • After that, a variable APR, currently 13.99% to 22.99%.* See the Terms and Conditions for complete details.
  • * See Terms and Conditions for complete details.
  • After that, a variable APR, currently 11.99% to 20.99%.* See the Terms and Conditions for complete details.
Minimum Requirements
  • Applicant must be 18 years of age and have a U.S. address and Social Security number.
  • Applicant must be 18 years of age and have a U.S. address and Social Security number.
  • Applicant must be 18 years of age and have a U.S. address and Social Security number.
  • Applicant must be 18 years of age and have a U.S. address and Social Security number.
Rewards
  • Earn 1.5 points for every eligible net $1 you spend.1
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards.2
  • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
  • Zero Fraud Liability4
  • Earn 1.5 Points for every eligible net $1 you spend.
  • No caps or limits on the Points you can earn, plus you have five years to redeem Points for rewards.2
  • 2,500 bonus rewards Points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
  • Earn 1.5 Points for every eligible net $1 you spend.
  • Earn 3 Points for every $1 of purchases in the category you spend the most on: cellular phone services, hotel or airline.
  • No caps or limits on the Points you can earn, plus you have five years to redeem Points for rewards.2
  • 20,000 bonus rewards Points after you spend $2,000 in the first 3 months3, redeemable for $200 cash back, merchandise, gift cards or travel savings.
  • N/A
Key Benefits
  • Enjoy chip-enhanced acceptance and security, plus many valuable benefits and services including:
  • A convenient online expense management tool to help you organize and track your overall spending.
  • Free employee cards with individual credit limits.
  • Ability to have earned rewards points from employee card purchases added to the business owner's points total.
  • See Business Card Features and Benefits for a complete listing of all card benefits.
  • Enjoy chip-enhanced acceptance and security, plus many valuable benefits and services including:
  • A convenient online expense management tool to help you organize and track your overall spending.
  • Free employee cards with individual credit limits.
  • Ability to have earned rewards points from employee card purchases added to the business owner's Points total.
  • See Business Card Features and Benefits for a complete listing of all card benefits.
  • Enjoy chip-enhanced acceptance and security, plus many valuable benefits and services including:
  • A convenient online expense management tool to help you organize and track your overall spending.
  • Free employee cards with individual credit limits.
  • Accumulate employee card rewards points to the business owner's Points total.
  • See Business Card Features and Benefits for a complete listing of all card benefits.
  • You will receive many valuable benefits and services including:
  • Access to expense management tools to help you organize and track your overall spending.
  • Free employee cards with individual credit limits.
  • See Business Card Features and Benefits for a complete listing of all card benefits.
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Disclosures

Subject to approval. Middlesex VISA® Credit Cards offered by Elan Financial Services.

Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn one additional Point (for a total of 2 points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply
store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

4  The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember
Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including,
but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

6 Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.