Credit Cards for Businesses

Morgantown Bank & Trust Credit Cards

We offer credit cards for individuals as well as business owners featuring a variety of advantages. From fraud monitoring to competitive APRs, Morgantown Bank & Trust knows what’s important to you.

Choosing the right business credit card is easier than ever.

No matter which card you choose, you’ll enjoy important features like:
• Expense management tools
• No fee for additional employee cards
• EMV smart chip technology for added security
• Mobile payment capability for added convenience


Cash Back Rewards

Visa® Business Cash Card

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  • Earn 3% cash back(1) on all eligible net purchases from office supply stores, and phone and TV services(2,4).
  • 2% cash back on eligible restaurant and gas net purchases, and 1% cash back on all other eligible net purchases.
  • $25 cash back after your first purchase(3).

All purpose rewards.

Visa® Business Real Rewards Card

VISA BUSINESS

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  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)(5).
  • 2,500 bonus rewards points awarded after first purchase(3).
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards(4)

Visa® Business Rewards PLUS Card

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  • Earn 3 points for every $1 you spend the most on: cellular phone services, hotel or airline(6)
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases.
  • Plus, earn 20,000 one-time bonus rewards points after you spend $2,000 in the first 3 months(3).
  • No cap or limit on the total cash back you can earn, and you have five years to redeem for rewards (4).

Enjoy A Longer Intro Rate

Visa® Business Platinum Card

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  • Pay down you other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards
  • Product is not available online. Visit one of our locations to apply.

Existing MBT Cardholder?

24/7 Customer Service: (800) 558-3424
Technical Support: (877) 334-0460
Payment Address: Cardmember Service, P.O. Box 790408, St. Louis, MO 63179-0408
Overnight Payment Address: Cardmember Service, 824 N. 11th St., St. Louis, MO 63101-1016

Access Your Account

Credit card accounts that were activated prior to September 1, 2017, can be accessed HERE.

 

 


(1) Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
(2) Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply
store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.
(3) Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.
(4) The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
(5) Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
(6) Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.
(*) Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc.

These cards are issued by Elan Financial Services and are subject to credit approval.

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