Business Credit Cards

Keep business and personal expenses separate and give your employees a way to pay off business expenses. Plus enjoy the purchasing power of Visa®, which is accepted worldwide.






Apply now using our Secure Forms system

…or ask for a paper application at one of our six locations.

View our application disclosure here. Questions? Call (815) 796-2264.

Low Interest

It’s time to get rid of that high-interest rate! Eliminating high-interest rates could potentially save you thousands in interest and create one affordable monthly payment.

Fewer Fees

Many credit cards offer a temporary low-interest rate, without mentioning that you’ll be on the hook for a 1-3% balance transfer fee. The FSB business credit card has NO balance transfer fee, regardless of the balance transferred. Consolidate your business credit cards with no fee, plus enjoy no annual fee and no foreign fees.


Your business credit card is with your local bank, not a massive corporation that can sell your information for marketing purposes. Your card will come with CardValet®, which allows you to receive alerts, set limits, and protect your card by turning it “on” and “off”.


The uChoose Rewards® program gives you more flexibility and choice than ever, with no complicated conversions—you earn one point for every dollar you spend. You can redeem your points for Brand Name Merchandise, Travel, Gift Cards, and more!

Have you received your Flanagan State Bank business credit card?

Register or Log In at uChoose Rewards!


Superior Service and Convenience

Enjoy 24-hour access to our secure Flanagan State Bank Visa Credit Card website. Manage your account, download statements, set up email alerts, request a credit line increase, and transfer balances with no balance transfer fees. Online, anywhere, anytime.

Log In to the Flanagan State Bank Credit Card Website


We also provide credit card customers 24-hour service by phone if you would rather speak with a live customer service representative.

Call 855-445-1036


*Annual Percentage Rates = APRs. Prime Rate 1 + 8.00%. This APR will vary with the market based on the Prime Rate 1. These APRs were in effect as of (08/01/2023) and are subject to change with the national “Prime” rate. Contact Flanagan State Bank for full details.

Offer subject to credit approval. Please see Terms and Conditions for fees, rates, costs, and other information. CardValet is a trademark of Fiserv, Inc. or its affiliates. uChoose Rewards is a registered trademark of Fiserv, Inc. Visa is a registered trademark of Visa International Service Association.

You must be a current Flanagan State Bank customer in order to apply for a Flanagan State Bank business credit card.