Small business owners on their laptop

3Rivers Business Mastercard®

Smart spending power for your business—with flexible terms, competitive rates, and rewards that work for you.
Schedule a Call to Apply!

Transparent & Competitive

3Rivers is proud to offer a 3Rivers Business Mastercard® credit card that pays you cash when you use it! This no-cost, low-rate rewards credit card offers convenience and security for your business and your employees.

Rewards & Features Built for Business

Earn rewards on everyday purchases and redeem them for statement credits, travel, gift cards, and more. With no annual fee, flexible account access, and easy expense tracking, this card helps you stay focused on running your business with confidence.

Rewards 
  • 1 point for every dollar spent2
  • Cash back option on earned rewards used in the form of statement credits
  • Redeem points for everyday business expenses to help with travel costs, to reward employees, or to entertain clients
Convenient & Flexible Payment Features 
  • Consolidated or individual pay card options
  • Payments can be made over time with interest

Business Mastercard Credit Card

Disclaimer

1The Annual Percentage Rate (APR) for purchases, balance transfers and cash advances is fixed at 18.00%, which means it will not fluctuate based upon Prime Rate or other indices. Rate is subject to change as permitted by the Credit Card Agreement and applicable laws, which may include, but are not limited to, failure to comply with Agreement terms (such as late payments), or the expiration of any introductory or promotional offer rate period. You will be provided advance notice of changes to the fixed APR as required by law. Fixed Rate APR applies only to the interest rate on outstanding card balances. Other fees or penalty rates may apply as detailed in your Credit Card Agreement and Schedule of Fees. There is no annual fee and no balance transfer fee for the 3Rivers Business Mastercard credit card.

2The earning cash back is equal to 1 point for every $1 transferred or purchases made with the 3Rivers Business Mastercard. Cash back is not redeemable by way of cash or check, but in the form of statement credits. Rewards can be redeemed through digital banking.
Perk Description
Annual Percentage Rate1 As low as 18% APR1
Minimum Finance Charge NONE
Annual Fee NONE
Grace Period If you pay your previous balance in full on or before the due date shown on your previous statement, you will have a grace period on purchases of 25 days from the statement closing date to the payment due date.
Cash Advances 3%
Balance Transfer Fee NONE
Over Limit Fee NONE
Late Payment Fee $25.00 if payment is more than 10 days late
Method of Computing Balance Average daily balance including new transactions
What Businesses Want to Know

Business Credit Card FAQs

Common questions about features, eligibility, payments, and managing your 3Rivers Business Credit Card.
Still Have Questions?
Does the business credit card have fraud protection?
Yes. Your business card includes advanced fraud monitoring, alerts, and zero-liability protection for unauthorized transactions. If you suspect fraud, contact us immediately for assistance.
How do I manage my card or add authorized users?
You can manage cards, set spending limits, monitor transactions, and add or remove authorized users in Business Online Banking. For additional support, our Business Services team is happy to assist.
Are there fees for the business credit card?
There is no annual fee for our business credit card. Other fees, such as late payment or returned payment fees, follow federally required disclosures. You’ll receive a full fee schedule and agreement when you apply.
Do I need to be a 3Rivers business member to apply?
Yes. Business credit cards are available to eligible 3Rivers business members. If you’re not yet a member, a Business Services Specialist can help you open the right business account before submitting an application.
What can I use a business credit card for?
Your card can be used for everyday business expenses like supplies, travel, equipment, online purchases, utilities, and more. It’s designed to help you separate business spending, manage cash flow, and streamline bookkeeping.

Tools & Solutions

Level up your business—get the most from your business credit card and your credit union membership.

Talk to an expert.

Get expert guidance tailored to your business needs.
Get in touch.

Bank on-the-go.

Manage your finances 24/7 with digital banking tools.
Get started.

Explore a line of credit.

Combine your business credit card with a loan for maximum spending power!
Explore loan options.