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Visa® Business Card

Is your business leaving money on the table?

If you pay vendors with checks or a debit card, the answer may be yes.

Is your cash flow constrained?

Cash flow is paramount for businesses of all sizes.

  • 61% of small businesses regularly struggle with cash flow1
  • Cash flow restrictions squeeze purchasing power
  • Limited cash on hand hampers resilience

Are you concerned about fraud?

Payments fraud is real and likely to increase

  • Checks and debit cards are an easy target for fraud
  • Fraudulent activity on your account ties up cash for days
  • With cash out of your account, you have less purchasing power

Would it be nice to receive incentives including cash back?

  • Debit card transactions and checks don’t qualify for incentives.
  • Debit cards and checks offer no incentives or rewards such as cash back, travel and gift cards

Here’s what a Visa® Business Card can do for you!

A shift from debit or checks will improve your business' financial performance

Your business' financial performance will benefit from the flexibility credit cards offer.

Improve your cash flow

  • Plan spending more efficiently with the buffers that credit affords
  • Use float on the card to keep cash in your business checking account longer
  • Purchase what you need, when you need it

Mitigate the impact of fraud

  • Lean on the resources of Visa® and First Bank of Montana to defend against fraud in real time
  • Protect your account from unauthorized transactions
  • Rely on Visa’s Zero Liability Policy, which guarantees you won’t be held responsible for unauthorized charges if your card is lost, stolen or fraudulently used2

Unlock incentives that matter

  • Earn rewards that improve your bottom line
  • Utilize cash back as an internal profit center
  • Maximize your profits just by paying your monthly bills
  • Gain local rewards that matter to your business

It's easy to shift payments to your new card.


We understand your business. Let’s get you set up with a credit limit that works for you.


Get access to a 24/7/365 online self-service platform with all the right features.


You have a dedicated relationship manager always ready to assist you and find the right solution.


PLUS– Enjoy Incentives 

Maximize your profits just by paying your monthly bills. All the convenience and amenities of national programs, plus a local rewards program designed to meet your needs.  Rewards belong to your business and are not considered taxable income3

  • Our rewards program is transparent, easy to understand and hassle-free
  • Earn 1 point for every dollar spent
  • No hidden fees
  • Choose to redeem for cash back, national gift cards, local gift cards, or use our Travel Eraser4

Let's get started today

Maximize the financial performance of your business. Gain the financial freedom to grow.

Contact your local branch to apply.

1 “The State of Small Business Cash Flow”, Intuit Quickbooks, 2018

2 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions not processed by Visa. Ask us for additional details.

3 First Bank of Montana does not provide tax advice. Please consult with your tax advisor or visit for more information.

4Travel Eraser: Make an eligible travel related purchase, then redeem your Reward points for a credit up to the amount of the eligible travel related purchase on your billing statement.  Ask us for details regarding eligible transactions and minimum redemption amounts.

On approved credit. Please see the Summary of Credit Terms provided at the time of application for important information on rates, fees, costs, conditions and limitations. Visa and the Visa logo are registered trademarks of Visa, Inc.