Small Business Credit Card

Westerra Business Credit Cards are designed to give your business financial flexibility without extra costs like annual or balance transfer fees. Whether you’re managing day-to-day expenses or larger purchases, you can access credit lines from $500 up to $25,000. Plus, features like 24/7 Visa Global Assistance and Card Nav security keep your spending safe and under control. If you want to earn rewards, the Business Visa Rewards Card offers 2 points per dollar spent** and a generous 25,000-point bonus after spending $5,000 in the first 90 days. It’s a practical tool to simplify your business spending and support your growth.

Separating business and personal expenses isn’t just about staying organized — it’s about protecting your business and saving time. Using a dedicated Westerra Business Credit Card helps you keep your financial records clean, making tax time easier and reducing the risk of costly mistakes. It also protects your personal assets by maintaining clear boundaries between you and your business, which can be crucial for legal and liability reasons. Plus, it gives you a clearer picture of your business cash flow, helping you make smarter financial decisions.

If your business carries debt on other cards, Westerra’s balance transfer feature can be a game-changer. You get a low introductory rate — 2.99% APR* for 12 months on the Business Visa Card and 4.99% APR* on the Rewards Card — without paying any balance transfer fees. This helps reduce interest costs, so more of your payments go toward paying down debt instead of interest. Consolidating balances this way can free up cash flow and give your business breathing room to invest in growth or cover daily expenses.

The Business Visa Rewards Card turns your everyday business purchases into valuable rewards. You earn 2 points for every dollar spent**, plus a 25,000-point bonus when you spend $5,000 within your first 90 days. These points can be redeemed for cash back, merchandise, gift cards, travel, and more — helping your business save or reinvest without extra effort. It’s a simple way to get more out of the money you’re already spending to keep your business running.

Managing cash flow is critical for business success, and Westerra’s credit cards offer flexible tools to help. With credit lines from $500 up to $25,000 and no annual fees, you can handle unexpected expenses or seasonal fluctuations smoothly. The option to carry a balance at low introductory rates or pay in full each month gives you control over your finances. Plus, the Card Nav app lets you monitor and manage transactions in real time, adding an extra layer of security and budgeting convenience.