Capitol Bank
VISA® Business Classic and Business Rewards cards


  • Flexibility – Make purchases, pay bills or get cash
  • Affordability – Low interest rates
  • Convenience – Visa is accepted worldwide
  • Security – Multiple layers of protection for your money
  • Access – View your account online anytime, day or night


  • Auto rental insurance
  • Travel accident insurance
  • Local customer service
  • Lost or stolen card reporting
  • Online access to statements
Capitol Bank VISA Business Credit Card

Through our partnership with Bankers’ Bank we offer two business credit card plans, as listed below. Starting in 2022, we’ll be able to offer 2 new VISA credit cards for mobile payments and rewards! Contact a Capitol Banker if interested. 

 Visa® Business ClassicVisa® Business Rewards
Annual Percentage Rate (APR) for purchases, balance transfers and cash advances15.99%15.99%
Annual Fee - per account under the master$25.00$60.00
ScoreCard Points - travel and gift awardsNoneYes*
Due date is at least 25 days after the close of each billing cycle*
2% or $20.00 minimum paymentYesYes
Late FeeUp to $20.00Up to $20.00
Over Limit FeeNoneNone
Up to a 1% fee will be assessed on foreign transactionsYesYes
Internet access to account information
Balance TransfersYesYes
Minimum Annual IncomeNoneNone
Minimum Credit LineNoneNone
Fee on Cash Advances - 2% of advance with a $5.00 min. and $25.00 max.YesYes
Free Travel Accident InsuranceYes
Free Auto Rental InsuranceYesYes
Free Warranty Manager ServiceYesYes
Free Travel and Emergency AssistanceYesYes
Corporate Liability Waiver InsuranceYesYes
Apply now for Visa® Business Classic cardApply now for Visa® Business Rewards card

*Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.

Information Needed to Apply

Please review the list of information needed to apply for the business credit cards. If you need assistance with the application, click here to contact a business banker or call us at 608.836.1616. To get started with the application, click on the blue “apply now” button above that corresponds to the type of credit card you are interested in.

Capitol Bank requires the following for all business credit cards:

  • Signed and completed Application
  • Personal Guaranty (page two of the Application)
    • Not required for non-profits, municipalities, or larger stock corporations.
  • Beneficial Owner Form
  • Copy of Driver’s License
  • Financial Information
    • Business Statements
      • Previous year-end Income Statement and Balance Sheet or Tax Return
      • Current year-to-date interim statements
    • Guarantor Personal Financial Statement
  • Borrowing Resolution
    • Most businesses require the appropriate resolution
    • Not needed for Sole Proprietorships
    • Municipalities/non-profits can use the Organization Resolution or alternative documentation, such as:
      • Minutes from board/council meeting authorizing stated limit and borrower by name
      • Letter from agent of organization with authority to borrow on its behalf, such as a city executive or treasurer

In addition we need the following depending on the type of business:


  • Articles of Incorporation
  • By-laws (states titles/positions of individuals that can borrow on behalf of corp.)

Limited Liability Company

  • Articles of Organization
  • Operating Agreement (states titles/positions of individuals that can borrow on
    behalf of the LLC)
  • Sole Member LLC’s without an operating agreement must submit a signed statement indicating sole member status.


  • Partnership Agreement

Other Organizations

  • Require a typed document stating how the organization operates
  • Require names of who has the authority to borrow funds on behalf of the Organization (their titles must be listed)

Account Questions or Travel Notification?

Contact The Community BankCard Department at Bankers’ Bank with account inquiries (balance, transactions, etc.) during weekday business hours (M-F 8:00 – 5:00).

You can also contact FIS (Fidelity Information Services), our processor based in Florida, for customer service 24/7/365.
Customer Service: 1-800-423-7503
Security Lost/Stolen: 1-800-325-3678
Fraud: 1-800-854-1557
Dispute: 1-800-906-0005

*ScoreCard Points

Every dollar a cardholder charges earns them one ScorePoint. Points may be redeemed for travel or gift awards. ScorePoints accumulated, but not redeemed, will expire after three years. Balance transfers do NOT earn points.

ScoreCard Information: 1-800-854-0790

Existing cardholders

View your statement online.


Lost or stolen card?

Report it missing by calling


Get in touch for more information or if you have questions.

Contact Us