Business Credit Cards Built Around How You Spend
Business expenses follow a different rhythm than personal spending — larger average transactions, recurring vendor payments, travel and entertainment costs that need categorizing by project or client, and the constant need to separate business charges from personal ones at tax time. Sascu offers three business credit card products, each designed for a different stage of company maturity and spending pattern, all managed through the same online banking dashboard where you already monitor your checking and savings activity.
The Sascu Business Rewards Card earns unlimited 2% cash back on every purchase — no rotating categories, no quarterly activation, no earning caps. Cash back posts to your account monthly and can be redeemed as a statement credit, a deposit into your Sascu business checking account, or a transfer to a Sascu business savings account. This card carries no annual fee and provides an interest-free grace period of at least 25 days on purchases when you pay the statement balance in full. Businesses that spend $5,000 or more monthly on operating expenses typically earn between $1,200 and $3,600 annually in cash back — effectively a discount on every supplier invoice, utility payment, and travel booking routed through the card.
Corporate Card and Secured Card Options
Different business structures and credit profiles call for different card architectures.
The Sascu Corporate Card shifts liability from the individual cardholder to the business entity itself, an important distinction for companies managing fleets of employee cards where personal credit inquiry on each staff member would be impractical or unwanted. Corporate cards carry no personal guarantee requirement for qualified businesses with three or more years of operating history and $2 million or more in annual revenue. The program includes a central billing account with detailed subsidiary reporting that assigns each transaction to the employee, department, and cost center it belongs to. Merchant category code restrictions, per-transaction limits, and time-of-day controls let you define exactly where and when each employee card works — a sales representative might have airline and hotel categories open but retail and restaurant categories blocked, for example.
The Sascu Secured Business Card serves companies that are building or rebuilding business credit. You deposit funds into a Sascu secured savings account — minimum $500, maximum $25,000 — and receive a credit line equal to your deposit. The card reports to all three major business credit bureaus (Dun & Bradstreet, Experian Business, and Equifax Business) so responsible usage builds a credit file that supports future unsecured lending applications. After twelve months of on-time payments, Sascu reviews the account for graduation to the unsecured Business Rewards Card, at which point your security deposit returns to you with accrued interest. The secured card carries a $29 annual fee and the same 25-day grace period, mobile wallet compatibility, and expense tracking integration as our unsecured products.
Expense Management and Integration
Receipts pile up, expense reports fall behind, and bookkeepers spend hours reconciling credit card statements against general ledger categories. Sascu builds automation into the card program to collapse that cycle.
Every Sascu business credit card transaction appears in your online banking transaction feed within minutes of authorization — not days later at settlement — so you see spending as it happens. Employees receive real-time text or email alerts when their card is used, and they can capture receipt images through the Sascu mobile app that attach directly to the transaction record. At month-end, the expense reporting module exports categorized transaction data with attached receipts into QuickBooks, Xero, FreshBooks, or CSV format for import into enterprise ERP systems. The automation reduces month-end close time for most businesses by eliminating manual data entry and receipt chasing.
Employee card management lives in a dedicated section of the treasury dashboard. You issue new cards, set individual spending limits, restrict merchant categories, activate and freeze cards, and view real-time spend by employee, department, or project — all without calling customer support. When an employee leaves, you deactivate their card instantly from the dashboard rather than waiting for a replacement cycle. For businesses with procurement workflows, the corporate card integrates with the treasury management platform to route card transactions through the same approval hierarchy used for ACH and wire transfers, giving your controller visibility across all disbursement channels.
Business Credit Card Comparison
Each card product addresses a different spending profile and credit position.
| Card Type | Rewards Rate | Annual Fee | Credit Requirement | Employee Card Options |
|---|---|---|---|---|
| Business Rewards Card | 2% unlimited cash back | $0 | Good to excellent business credit | Unlimited employee cards, individual limits, category controls |
| Corporate Card | 1.5% cash back | $95 (waived with $50K+ annual spend) | Established business, $2M+ revenue | Central billing, subsidiary reporting, merchant code restrictions |
| Secured Business Card | 1% cash back | $29 | No minimum credit score (secured deposit) | Up to 5 employee cards, individual limits |
All Sascu business credit cards include EMV chip technology, contactless tap-to-pay, mobile wallet compatibility with Apple Pay, Google Pay, and Samsung Pay, zero fraud liability for unauthorized charges reported promptly, and 24/7 customer support by phone. Cardholders manage their accounts through the same Sascu online banking portal used for checking and savings, creating a single sign-in for the complete business banking relationship. For more information about credit card regulations and consumer protections, visit the Better Business Bureau at bbb.org.