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Forward Bank

Credit Cards

Our business credit cards can help move your business Forward! 

Already have a credit card with us and want to manage your account or make a payment? 

Enjoy important features like

  • Expense Management tools
  • No fee for additional employee cards
  • EMV smart chip technology
  • Mobile payment capability
  • 24/7 Cardmember Service

Visa® Business Cash Preferred Card

Cash Rewards for Your Business.

  • Earn 3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases 1,2
  • $100 Annual software credit after 11 consecutive monthly software transactions.3
  • 1% unlimited cash back on all other eligible net purchases.
  • $25 cash back awarded after your first purchase.4
  • Redeem for a statement credit, rewards card or deposit to qualifying account

Visa® Business Card

Pay Down Balances.

  • Save on interest with a great low introductory rate for an extended time
  • Use for large purchases, unexpected expenses or last-minute necessities
  • Pay down your other high-rate credit card balances faster
  • Easily manage employee spending with employee cards
  • Non-Rewards

Smart Business Rewards Visa® Card

Earn More Rewards. No Point Limits.

  • 2X points per $1 spent in your top two spend categories each month - automatically2,7
  • 1X points monthly per $1 spent on other eligible purchases
  • Redeem for Merchandise, Gift Cards, Travel, or Cash Back6
  • Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening - a $200 value8

Visa® Business Real Rewards Card

Flexible Rewards to Use to the Way You Want.

  • Earn 1.5 points monthly for every $1 you spend on eligible purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards
  • $25 Awarded after your first purchase4 - that's 2,500 bonus reward points
  • Redeem for Merchandise, Gift Cards, Travel, or Cash Back6

1 Business Cash Preferred Card: You will earn 3% cash back for every dollar in eligible net purchases at merchants classified as gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other net purchases will earn 1% cash back. Purchases at gas stations greater than $200 are not considered an automotive gasoline purchase and will therefore earn 1% cash back. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within one to two billing cycles, or as a statement credit to your credit card account within one to two billing cycles, or a Rewards Card ($25 minimum redemption).

2 Business Cash Preferred and Smart Business Rewards Cards: Purchases qualify for points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.

3 Business Card Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Business Cash Preferred Account within 2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.

4 Business Real Rewards and Business Cash Preferred Cards: First purchase bonus will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonuses is awarded only on the Authorized Officer purchases.

5 Business Real Rewards Card: 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 Business Real Rewards and Smart Business Rewards Cards: Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or was a Rewards Card ($25 minimum redemption.)

7 Smart Business Rewards Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant spend categories ("Highest Categories") each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. Please visit https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories.

8 If you’re approved for a new Smart Business Rewards Card, one-time 20,000 points will be awarded if you are approved and eligible. Net Purchases totaling $500 or more are made on the Authorized Officer's card within the first 90 days of account opening. These bonus points will be awarded on your monthly billing statement. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. Net purchases are purchases minus credits and returns. Rewards are earned based on eligible net purchases. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus points to be credited to your account.

For questions about your account or to report a Lost or Stolen Card.
24 Hour Cardmember Service: 800-558-3424

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A.

APRs, fees and other Account terms may change at any time in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

Subject to credit approval.