Low rate or 2% cash back business credit card?
Customer Service is SpectacularI enjoy being a member of Arkansas Federal because they are always helpful when I need something. I have had a positive experience working with Arkansas Federal because its customer service is spectacular.
Want an easy way to save while streamlining your business expenses? Look no further. Our business credit cards offer two amazing options: cash back or a great everyday low rate.
2% Cash Back
Enjoy no annual fee and earn unlimited 2% cash back.
- Earn 2% cash back for every dollar spentAs of 02/02/2026, the variable APR ranges from 14.74% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. You can earn 2 points for every $1 spent on purchases, which may be redeemed for cash back equal to 2.00% on the uChoose Rewards site. There is no annual fee; however, late payment fees may reach $40. A balance transfer fee of 3.00% of the total amount applies, as does a cash advance fee of 3.00% per transaction. Interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures.
- Enjoy $0 annual fee in addition to your cash back
- Plus, you’ll have access to My Cards, Authorized User, and other built-in Mastercard® benefits
This card is a great fit for businesses that often pay their balance in full, want no annual fee, and the ability to earn unlimited cash back with no category restrictions.
Everyday Low Rate
Enjoy an everyday low rate as low as 11.79% APR As of 02/02/2026, the variable APR ranges from 11.79% to 18.00% and is based on your creditworthiness and market conditions related to the Prime rate. There is no annual fee or balance transfer fees; however, late payment fees may reach $40. There’s a cash advance fee of 5% per transaction, an overdraft transfer fee of $3 per transfer, and a foreign transaction fee of 1%. Interest on cash advances and overdraft transfers will be charged at the business member’s standard APR on their balance from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. Please refer to the Full Credit Card Account Agreement and Disclosures for complete details. .
- Save on interest with an everyday low rate
- Enjoy $0 annual fee
- Plus, you’ll have access to My Cards, Authorized User, and other built-in Mastercard® benefits
This card is ideal for businesses that tend to carry a balance and want to save with a low rate and no annual fee.
More Great Benefits
Cash Back or Low Rate
Enjoy 2% Cash BackAs of 02/02/2026, the variable APR ranges from 14.74% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. You can earn 2 points for every $1 spent on purchases, which may be redeemed for cash back equal to 2.00% on the uChoose Rewards site. There is no annual fee; however, late payment fees may reach $40. A balance transfer fee of 3.00% of the total amount applies, as does a cash advance fee of 3.00% per transaction. Interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures. or a low rate. Choose the best card for your business.
$0 Annual Fee
Delight in no annual fees or minimum finance charges. Hooray!
$0 Fraud Liability
You won’t be held responsible for unauthorized charges made with your account or account information.Certain restrictions apply. See www.mastercard.us/zero-liability for details.
Tap to Pay (Contactless)
Pay in seconds with a tap of your card at a contactless-enabled terminal.
Digital Banking
Enjoy convenient, secure 24/7 access to your accounts right from your computer, tablet, or smartphone. Control your card 24/7, monitor your credit score with Credit IQ, pay bills, send secure messages, make digital payments, and so much more.
Digital Wallet
Instead of carrying your card around, securely store it in your phone’s digital wallet for quick checkouts in-store or online.
Authorized User
Share the convenience of your card with another authorized user. When you give them access to your account, they get their own personal card and can enjoy the same perks you do.
Identity Theft Resolution Services
Should you become the victim of Identity Theft, Mastercard will assist you with credit bureau notification and debit card replacement and provide you with an ID Theft Affidavit.Certain restrictions apply. For details, see the Guide to Benefits.
Hear From Our Happy Members
Makes banking easyArkansas Federal makes banking easy. It always handles just what I need right on the spot.
Friendly and Willing to HelpI really love how everyone is so friendly and willing to help with my banking needs. I am very thankful I listened and chose Arkansas Federal for all my banking needs.
Fast and Easy ProcessI must say I was pleasantly surprised at just how fast and easy the process played out. I submitted the documents needed and in no time, we were approved and ready to make an offer on a house.