Pixel for iHeart Radio
Apply for a Loan

Business Cash Back Visa Credit Card

Apply Now
Woman in a cafe looking at important documents and a laptop

Maximize Every Dollar with the 4-3-2-1 Business Cash Rewards Credit Card

Are you making the most out of your business expenses? From fueling vehicles to booking travel and restocking essentials, every purchase you make can work harder for your business. With the 4-3-2-1 Business Cash Rewards Visa, you’ll earn unparalleled cash-back rewards while simplifying your expenses. This card is designed for business owners who want to turn everyday spending into powerful savings and reinvestments.

Unmatched Cash Back Rewards

With the 4-3-2-1 Business Cash Rewards Visa, you’ll earn cash back on the purchases that matter most:

4% Cash Back on Travel

Earn 4% cash back on eligible travel expenses like flights, hotels, and rental cars. If your business involves frequent travel, this perk ensures that every trip works harder for your bottom line.

3% Cash Back on Gas

Fuel your fleet or company vehicles and enjoy 3% cash back on gas purchases. Transportation costs can add up quickly—this reward puts money back in your pocket.

2% Cash Back on Groceries

Stock up on groceries or bulk office essentials from supermarkets and wholesale clubs like Costco or Sam’s Club, and earn 2% cashback. Keep your pantry and office supplies full while maximizing your spending power.

1% Cash Back on Everything Else

For all other purchases, earn 1% cash back—no matter what you buy. Every expense contributes to your rewards, making this card a must-have for any business owner.

Today’s Rates

Please note that rates and fees are subject to change without notice.

A Dependable Choice for Business Owners

The Low Rate Business Visa Credit Card is built to save you money, simplify your expenses, and give you the financial flexibility you need to grow. With no fees, low rates, and secure tools, this card is a reliable partner for your business’s success.

Start saving today and give your business the financial advantage it deserves!

Apply Now

(801) 223-7665 | [email protected]

Available Monday – Friday 9 am – 5:30 pm

Built for Every Business

Whether running a small startup or managing a growing company, the 4-3-2-1 Business Cash Rewards Visa adapts to your needs. With rewards designed to align with everyday business expenses, this card is a versatile tool for entrepreneurs in every industry.


Competitive Rates & Transparent Terms

The 4-3-2-1 Business Cash Rewards Visa offers terms designed to support your business’s financial health:

  • Low APR: Enjoy rates as low as 17.00% variable to help you manage expenses without unnecessary financial strain.
  • No Balance Transfer Fees: Consolidate your expenses from other cards with a low 2.5% transfer fee to streamline your finances and focus on growing your business.
  • No Hidden Costs: No annual fees, foreign transaction fees, or surprise rate hikes.

With straightforward rates and clear terms, you’ll always know exactly where your money goes.

Why Choose the 4-3-2-1 Business Cash Rewards Visa?

Managing business expenses can be overwhelming, but the right card can help you save time and money. Here’s why this card is perfect for business owners like you:

  • Automatic Rewards: No enrollment or tracking categories—cash back is automatically applied for eligible purchases.
  • Flexible Redemption Options: Use your rewards to reinvest in your business, pay down your card balance, or save for future expenses.
  • Supports Growth: Every dollar saved through cashback can be reinvested in your business, whether for hiring, equipment upgrades, or expansion plans.

Maximize Your Cash Back on Business Purchases

Designed to help your business maximize the cash back it’ll receive on purchases you make the most, UCCU’s 4-3-2-1 Cash Rewards Visa credit card automatically rewards…

Business Cash Back Visa

4%
on Travel
3%
on Gas
2%
on Groceries
1%
on Everything Else

At UCCU, every Business Visa Credit Card…

Protects Your Business

With EMV chip technology and Visa’s ZERO Fraud Liability policy, your UCCU credit card offers top-notch security. The chip adds an extra layer of protection for in-person purchases, and the ZERO Fraud Liability policy ensures you won’t be responsible for any unauthorized charges if your card is lost or stolen, giving you peace of mind.

Works with Your Mobile Wallet

Our cards work with various digital payment options to make your life easier. You can use convenient services like Apple Pay, Google Pay, Samsung Pay, Visa Checkout, PayPal, and more. These payment methods are fast and secure, allowing you to shop online or in stores without carrying your physical card everywhere.

Comes with NO Surprises

Our credit cards come with no surprises, so you can feel confident using them. That means no unexpected rate hikes to catch you off guard, no annual fees to worry about, and no balance transfer fees to slow you down. With clear terms and straightforward benefits, you’ll enjoy a stress-free and reliable credit card experience.

Maximize Your Rewards Today

Every dollar your business spends is an opportunity to save and grow. The 4-3-2-1 Business Cash Rewards Visa helps you get the most out of everyday purchases with rewards that make sense for your business needs.


Frequently Asked Questions

Can I earn cash back on online purchases?

Absolutely! Whether you’re shopping in-store or online, eligible purchases will automatically earn cash back in the appropriate categories—travel, gas, groceries, or everything else.

How do I issue employee cards?

You can request additional employee cards by contacting UCCU. These cards can be linked to your account, allowing you to set spending limits and track individual purchases while earning rewards on all employee transactions.

Can I transfer balances from other credit cards?

Yes! With no balance transfer fees, you can consolidate your existing credit card balances onto your 4-3-2-1 Business Cash Rewards Visa, simplifying payments and potentially saving on interest.

How do I redeem my cash-back rewards?

This versatile card is perfect for office supplies, travel bookings, advertising, vendor payments, and more. Use it for everyday business expenses and enjoy the benefits of a straightforward billing process. Each quarter, UCCU will put the cash directly into your savings account!


*Annual Percentage Rate=APR. Some restrictions may apply. Offer is subject to change without notice. On approved credit. Membership eligibility is required. Federally insured by NCUA. Click here to view UCCU’s Visa Cardholder Agreement. You Click here to view UCCU’s Visa Line of Credit Disclosure. Click here to view UCCU’s 4-3-2-1 Cash Back Card details.

We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm

Submit a Question to our Support Team

or send us a message from inside online banking.

Stop by a Branch

Find a Location