Business Mastercard Credit Card
Give your business a bigger edge.
Business Mastercard®
More points, more power
In Michigan, business moves fast, so slowing things down to a stand-still for the day-to-day spending isn’t an option. We want to speed things up and help you get more from it, which is why we put a ton of points into the proven Mastercard® platform for you.
Limited Time Bonus
Earn 4x points on your choice of retail or restaurant spending!
From client dinners to office supplies, you get to choose where you’ll be earning 4x points up to $600.* Just make your selection in digital banking to get started!
Business Mastercard® Details
Built for Biz
Get more out of your business purchases with no fees, bigger rewards, competitive interest rates, fraud protection, and statement rebates on qualified purchases!
More power to your business!
- 2x points for every $1 spent, redeemable on gift cards, donations, cash back, and more
- Qualified purchases earn rebates towards your monthly statement thanks to Mastercard Easy Savings™
- No monthly fees
- No annual fees
- No cash advance fees
- No international or foreign processing fees
- Mastercard® Zero Liability Protection
- Fraud protection with Mastercard® ID Theft Protection™
- Handy security features and fraud alert texts
- Advanced controls for setting alerts and restricting usage
- Financial Counseling and other learning resources
- Learn more about Business Mastercard® benefits
Business Mastercard® Rewards
Ready for rewards?
More points means more mileage out of your money, from cash back to gift cards and donations!
Cards and Community
Turn your points into impact!
At CFCU, beauty isn’t just plastic deep. Because of our for-impact commitment to both our members and our Michigan communities, we make it easy for you to give back if you want to. Simply choose to send your collected credit card rewards points to one of these great local charities!
Strengthening communities across Michigan
The Relentless Care Foundation is a 501(c)3 non-profit organization created by Community Financial to keep growing our giving and maximize our impact. The RCF’s purpose is to make sure that the Michigan communities we serve are places where everyone can prosper, with a focus on funding what makes housing attainable, strengthens the workforce, and fosters community mobility.
Strengthening communities across Michigan
The Relentless Care Foundation is a 501(c)3 non-profit organization created by Community Financial to keep growing our giving and maximize our impact. The RCF’s purpose is to make sure that the Michigan communities we serve are places where everyone can prosper, with a focus on funding what makes housing attainable, strengthens the workforce, and fosters community mobility.
Mastercard Digital Banking
Do more, digitally
No worries if you can’t make it to a branch. Our card services can come with you anywhere!
Manage spending
We all want to know exactly where our money is going. Track your transactions and budget your spending with our digital banking app, even when you’re waiting in the checkout line!
Digital wallet
Link your card right to your phone’s digital wallet and save yourself some extra pocket space! Your CFCU card can connect to any of the major contactless payment options—so you’re covered and ready to go mobile!
Track your credit score
Pay on time, put yourself ahead, and get an easy look at where your work is getting you. After all, it’s a lot easier to go for the high score when you know where you’re at!
Tap to Pay
Tap to pay for a faster, safer checkout! Just hold your CFCU Mastercard® near a contactless terminal—no swiping, no inserting, no hassle. Secure, simple, and perfect for on-the-go.
Digital card issuance
If you have a new or replacement card on the way but just can’t stand the wait, we’ll get you set up with a digital version that you can start swiping a whole lot sooner.
Credit Union Business Account Opening Requirements
Start here
To make opening your business account as quick and easy as possible, please see the info below for required documentation.
Eligible Business Types
As a Michigan Credit Union dedicated to supporting our local communities, we’re proud to serve both businesses and non-profits across the state of Michigan, including:
- Sole Proprietorships
- Limited Liability Companies (LLCs)
- Partnerships
- Corporations
- Non-profits & Associations
Required Documents
Collect these ahead of time to make things easy!
- Business formation documents (e.g., Articles of Incorporation, Articles of Organization)
- Employer Identification Number (EIN) or Social Security Number for sole proprietors
- Operating agreement (for LLCs)
- Partnership agreement (for partnerships)
- Non-profit determination letter (for non-profits)
For complete details, see our Business Account Opening Checklist!
Apply for a Business Mastercard®
Apply today!
Ready for a better business card? Contact us to get started!
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All Business Services
Full-service for your business
Lending is just a little bit of what we do for Michigan businesses! We offer a range of business accounts designed around your needs, with a full list of services that includes ACH support, payroll, HR automation, tax support, lockboxes, and more!
Frequently Asked Questions
Business Credit Card FAQ
If you have any further questions, give our Care Center a call at (877) 937-2328 or stop by one of our branch locations!
Fraud Alerts
We’re dedicated to keeping our members and their money protected, so all Community Financial Mastercard® debit and credit cards are automatically enrolled in receiving fraud alerts.
If we need to contact you, we will NEVER ask for personal, account, or card information. This includes card numbers, PINs, security codes, login information, etc. Please do not give this information out to anyone.
Trust your gut. If you’re ever unsure about a phone call, please hang up and call us directly at (877) 937-2328 to ensure that you’re speaking with a real Community Financial team member. Avoid clicking on links in text messages and emails if you do not recognize the sender’s information.
What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
Disclosures
View the Community Financial Mastercard® Credit Card Rate Disclosure here.
View the Community Financial Mastercard® Cardholder Agreement here.
*Business Mastercard Credit card holders can earn additional points for purchases made at retail stores or at restaurants made between October 1-December 31, 2025. Qualifying retail and restaurant will receive 4X points with a cap of $600 spending. Once cap is met, member will earn normal 2X points. Members will see their additional earned points within 1-3 business days of transaction through digital banking.