{ "generatedAt": "2026-09-15T17:43:59Z", "schemaVersion": 1, "rows": [ { "name": "American Express", "canonName": "American Express", "kind": "bank", "national": true, "states": [], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.americanexpress.com/us/credit-cards/business/", "verifiedAt": "2026-09-14", "notes": "No branches; card applied for online nationally. Amex Business Line of Credit help page confirms availability in all 50 states and US territories." }, { "name": "American Express", "canonName": "American Express (pass 2)", "kind": "bank", "national": true, "states": [], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.americanexpress.com/us/credit-cards/business/", "verifiedAt": "2026-09-14", "notes": "Duplicate row for canon's second Amex pass (same institution, same national online footprint)." }, { "name": "Chase", "canonName": "Chase", "kind": "bank", "national": true, "states": [], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [ "Business Line of Credit (apply via Relationship Manager or in branch)" ], "membership": null, "source": "https://www.chase.com/business", "verifiedAt": "2026-09-24", "notes": "Chase press release (media.chase.com) confirms retail branches now in all lower-48 states; business card applications are online nationwide (AK/HI have no branches but online apply still works). Re-verified 2026-09-24: chase.com/business/banking/loans/business-line-of-credit states \"Then, if you have a Business Relationship Manager give them a call. Otherwise, visit a branch to get started,\" so the Business Line of Credit is branch/banker-only (the business credit card itself remains online, unaffected)." }, { "name": "Chase", "canonName": "Chase (consolidation)", "kind": "bank", "national": true, "states": [], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [ "Business Line of Credit (apply via Relationship Manager or in branch)" ], "membership": null, "source": "https://www.chase.com/business", "verifiedAt": "2026-09-24", "notes": "Duplicate row for canon's consolidation-round Chase entry (same institution). Re-verified 2026-09-24: chase.com/business/banking/loans/business-line-of-credit states \"Then, if you have a Business Relationship Manager give them a call. Otherwise, visit a branch to get started,\" so the Business Line of Credit is branch/banker-only (the business credit card itself remains online, unaffected)." }, { "name": "Bank of America", "canonName": "Bank of America", "kind": "bank", "national": false, "states": [ "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "ID", "IL", "IN", "IA", "KS", "KY", "ME", "MD", "MA", "MI", "MN", "MO", "NE", "NV", "OH", "OK", "OR", "PA", "TN", "TX", "UT", "VA", "WA", "WI" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [ "Secured Business Line of Credit (requires a Relationship Manager, no online apply)" ], "membership": null, "source": "https://www.bankofamerica.com/locations/sitemap.xml", "verifiedAt": "2026-09-24", "notes": "Official financial-center locator page lists 32 states (no DC branches shown). Business card application itself is online and not restricted to branch states, but branch-visit recommendations should stay inside this list. Re-verified 2026-09-24: business.bankofamerica.com's Secured Business Line of Credit FAQ states \"A Relationship Manager can discuss your secured loan or line of credit opportunities. Find a Relationship Manager,\" with no online-apply path shown (the Unsecured Business Line of Credit has an Apply Now online option and is unaffected)." }, { "name": "Wells Fargo", "canonName": "Wells Fargo", "kind": "bank", "national": true, "states": [], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [ "BusinessLine Line of Credit requests over $100,000 (contact relationship manager or visit a branch)" ], "membership": null, "source": "https://www.wellsfargo.com/biz/", "verifiedAt": "2026-09-24", "notes": "Business page states no geographic restriction; branch network concentrates in ~36-37 states per public branch counts, but card applications are online and national. Cardholder benefit terms define \"United States\" as the 50 states, DC, and US territories. Re-verified 2026-09-24: wellsfargo.com/biz/business-credit/lines-of-credit/ states \"For requests over $100,000, please contact your relationship manager or visit a branch,\" while amounts up to $100,000 can be done online or in person." }, { "name": "US Bank", "canonName": "US Bank", "kind": "bank", "national": false, "states": [ "AZ", "AR", "CA", "CO", "ID", "IL", "IN", "IA", "KS", "KY", "MN", "MO", "MT", "NE", "NV", "NM", "NC", "ND", "OH", "OR", "SD", "TN", "UT", "WA", "WI", "WY" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [ "Business Line of Credit over $250,000 (requires connecting with a business banker)" ], "membership": null, "source": "https://www.usbank.com/locations/sitemap.xml", "verifiedAt": "2026-09-24", "notes": "Official locations sitemap lists 26 state location hubs, matching usbank.com/about-us-bank/fact-sheet.html's \"more than 2,000 branches in 26 states.\" Re-verified 2026-09-24: usbank.com/business-banking/banking-products/business-lending/business-lines-of-credit.html states lines over $250,000 require you to \"connect with a business banker virtually or in person,\" while the Cash Flow Manager line (up to $250,000) stays apply-online." }, { "name": "PNC", "canonName": "PNC", "kind": "bank", "national": false, "states": [ "AL", "AZ", "CA", "CO", "DC", "DE", "FL", "GA", "IL", "IN", "KS", "KY", "MA", "MD", "MI", "MO", "NC", "NJ", "NM", "NY", "OH", "PA", "SC", "TN", "TX", "VA", "WI", "WV" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [ "Secured Business Line of Credit (apply by phone or in branch)", "Unsecured Small Business Line of Credit (apply by phone or in branch)" ], "membership": null, "source": "https://www.pnc.com/content/dam/pnc-com/pdf/aboutpnc/CorporateResponsibilityReports/cra-public-file/List_of_Current_PNC_Branches.pdf", "verifiedAt": "2026-09-24", "notes": "State list derived from PNC's own CRA public-file \"Active Branch List as of 2/28/2026\" PDF (28 states + DC). Re-verified 2026-09-24: pnc.com's Secured Business Line of Credit and Unsecured Small Business Line of Credit pages both state \"Enjoy the convenience of applying over the phone or at any PNC Bank branch -- choose the way you prefer,\" with no online-apply path shown, so both are branch-only products (source: https://www.pnc.com/en/small-business/borrowing/business-lines-of-credit/secured-business-line-of-credit.html and .../unsecured-business-line-of-credit.html)." }, { "name": "Citizens Bank", "canonName": "Citizens", "kind": "bank", "national": false, "states": [ "CA", "CT", "DC", "DE", "FL", "MA", "MD", "MI", "NH", "NJ", "NY", "OH", "PA", "RI", "VA", "VT" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.citizensbank.com/dam/78db2b60-c9a1-4edf-84c8-b4160113c9cd/cra-branch-listing-original-file.pdf", "verifiedAt": "2026-09-14", "notes": "State list derived from Citizens Bank, N.A.'s own CRA \"List of Branches as of April 1, 2026\" PDF; includes small Private Bank presence in CA/FL/VA beyond the traditional 11-state New England/Mid-Atlantic network." }, { "name": "Truist", "canonName": "Truist", "kind": "bank", "national": false, "states": [ "AL", "AR", "FL", "GA", "IN", "KY", "MD", "MS", "NC", "NJ", "OH", "PA", "SC", "TN", "TX", "VA", "WV", "DC" ], "businessCard": true, "applyChannel": "banker", "branchOnlyProducts": [], "membership": null, "source": "https://www.truist.com/small-business", "verifiedAt": "2026-09-14", "notes": "State list from Truist's own promotional eligibility footer (matches Truist's known 15-state+DC branch footprint). Canon (channel_notes) confirms business card is offered by a banker after opening accounts, not a cold online apply." }, { "name": "First Citizens", "canonName": "First Citizens", "kind": "bank", "national": false, "states": [ "AZ", "CA", "CO", "FL", "GA", "HI", "ID", "IL", "KS", "MD", "MA", "MN", "MO", "NE", "NV", "NM", "NC", "ND", "OK", "OR", "SC", "SD", "TN", "TX", "VA", "WA", "WV", "WI", "WY" ], "businessCard": true, "applyChannel": "banker", "branchOnlyProducts": [ "Business Line of Credit (contact a representative at your local branch)" ], "membership": null, "source": "https://locations.firstcitizens.com/", "verifiedAt": "2026-09-24", "notes": "State list from First Citizens' own branch/ATM locator (29 states; NC/SC carry the largest branch counts). Canon confirms the business card requires an RM/business-banker contact. Re-verified 2026-09-24: firstcitizens.com's Business Line of Credit page states \"To get started, contact a First Citizens representative at your local branch,\" with no online-apply link found, so it is branch-only." }, { "name": "Fifth Third Bank", "canonName": "Fifth Third", "kind": "bank", "national": false, "states": [ "OH", "AL", "FL", "GA", "IL", "IN", "KY", "MI", "NC", "SC", "TN", "WV" ], "businessCard": true, "applyChannel": "banker", "branchOnlyProducts": [], "membership": null, "source": "https://www.53.com/content/fifth-third/en/personal-banking/about/regions-we-serve.html", "verifiedAt": "2026-09-15", "notes": "State list from Fifth Third's own \"Regions We Serve\" page: \"Fifth Third services businesses and communities through 12 states with 1,087 full-service locations\" (Ohio, Alabama, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, South Carolina, Tennessee, West Virginia). Cross-confirmed by Fifth Third Bancorp's FY2025 Form 10-K (filed 2026-02-24, SEC EDGAR, Item 1 Business): \"operates 1,130 full-service Banking Centers ... in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Georgia, North Carolina, South Carolina and Alabama\" (same 12 states). Business card confirmed on Fifth Third's own Simply Business Card page (53.com/.../simply-business-card.html): \"designed a credit card exclusively for Fifth Third customers\"; the page's only apply CTAs are \"Schedule a Conversation\" and a phone number, no self-serve online apply -- applyChannel set to banker to match." }, { "name": "Navy Federal CU", "canonName": "Navy Federal CU", "kind": "cu", "national": true, "states": [], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Our field of membership is open to the armed forces, the DoD, veterans and their families.", "source": "https://www.navyfederal.org/services/business.html", "verifiedAt": "2026-09-14", "notes": "Membership-gated, not geography-gated; once eligible, business card applies online from any state." }, { "name": "Elan Financial (white-label)", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": true, "states": [], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.elanfinancialservices.com/", "verifiedAt": "2026-09-14", "notes": "Elan's own site: \"our turnkey solution is used by more than 1,300 financial institutions across the country\" (agent card issuer for community banks/CUs nationwide, backed by U.S. Bank)." }, { "name": "Flint Community Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "GA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.flint.bank/business/credit-cards", "verifiedAt": "2026-09-14", "notes": "Business credit card login link points to myaccountaccess.com/onlineCard/login.do?theme=elan2 (Elan Financial Services' cardmember portal, elan2 theme) confirming Elan issuance; bank is HQ'd in Albany, GA." }, { "name": "Gulf Coast Business Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "FL" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.gcbbswfl.com/banking-services/credit-cards", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated.\" Bank serves Fort Myers/Naples, FL." }, { "name": "Bank of Texas", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "TX" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.bankoftexas.com/business/products-and-services/small-business-loans-and-credit/business-credit-cards", "verifiedAt": "2026-09-14", "notes": "Page states: \"Credit cards are offered through Elan Financial Services,\" linking to myaccountaccess.com." }, { "name": "Bank of Hope", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "CA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.bankofhope.com/business-banking/credit-cards", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated.\" Bank HQ'd in Los Angeles, CA." }, { "name": "Tompkins Community Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "NY", "PA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.tompkinsbank.com/business-banking/loans/business-credit-cards", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.\" Page title covers both PA and NY branch footprints; links to myaccountaccess.com." }, { "name": "Carolina Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "SC" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.carolinabank.net/banking/business/business-credit-cards", "verifiedAt": "2026-09-14", "notes": "Page states verbatim Elan issuer disclosure. Despite the name, this bank is HQ'd in Florence, SC (not NC) -- confirmed via the page header." }, { "name": "First Federal Community Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "OH" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.firstfed.com/loans-mortgages/business-credit-cards.html", "verifiedAt": "2026-09-14", "notes": "Page states verbatim Elan issuer disclosure. Bank serves Dover, New Philadelphia, and Uhrichsville, OH." }, { "name": "First National Bank of Illinois", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "IL" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.fnbiweb.com/small-business/borrowing/credit-cards.html", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.\" (a branch of Old Plank Trail Community Bank, N.A.)" }, { "name": "First Commerce Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "NJ" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.firstcommercebk.com/business-banking/business-credit-cards", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Mastercard International Incorporated.\"" }, { "name": "First Carolina Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "NC" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.firstcarolinabank.com/business/credit-card", "verifiedAt": "2026-09-14", "notes": "Page states verbatim Elan issuer disclosure. Bank HQ'd in Rocky Mount, NC." }, { "name": "Gateway Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "MN" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.gateway.bank/resources/elan-credit-card", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.\" Bank HQ'd in Mendota Heights, MN." }, { "name": "Delta Community Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "GA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Delta Community offers a wide variety of business and commercial banking products and services to businesses that operate within any of the following metro Atlanta counties:", "source": "https://www.deltacommunitycu.com/business-banking/eligibility.html", "verifiedAt": "2026-09-14", "notes": "Business card = Visa Business Platinum Rewards; membership requires business operation in an eligible metro-Atlanta county." }, { "name": "Credit Union of Georgia", "canonName": null, "kind": "cu", "national": false, "states": [ "GA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "If you Live or Work in Bartow, Cherokee, Cobb, Dawson, Douglas, Fannin, Forsyth, Fulton, Gilmer, Lumpkin, Paulding, Pickens, or Union County, you are eligible to join Credit Union of Georgia.", "source": "https://cuofga.org/about/about-us/", "verifiedAt": "2026-09-14", "notes": "Offers Visa Business Rewards and Business Platinum cards (cuofga.org/loans/business-credit-cards/)." }, { "name": "Community First Credit Union of Florida", "canonName": null, "kind": "cu", "national": false, "states": [ "FL" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "The business headquarters, corporate office or any physical location must be located within our field of membership OR any Responsible Individual must live, work, or attend school in one of the following counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia OR any Responsible Individual must be a relative of an existing or eligible Community First Credit Union of Florida member.", "source": "https://www.communityfirstfl.org/business-banking/business-credit-cards", "verifiedAt": "2026-09-14", "notes": "Offers business credit cards; eligibility quoted from the same business-credit-card page's FAQ." }, { "name": "Community Credit Union of Florida", "canonName": null, "kind": "cu", "national": false, "states": [ "FL" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "If you live, work, worship, attend school, or conduct business in Brevard, Indian River, Orange, Osceola, Polk, or Volusia counties in Florida, you are eligible for membership.", "source": "https://www.ccuflorida.org/home/ourstory/membershipandbenefits/whocanjoin", "verifiedAt": "2026-09-14", "notes": "Business Visa card confirmed at ccuflorida.org/home/business/business-credit; separate business membership requires a $5 fee." }, { "name": "First Community Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "TX" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Membership is open to anyone that lives, works, attends school or worships in one of the Texas counties we serve, any person employed by a Select Employee Group, or any relative or family member of an FCCU member or employee.", "source": "https://fccu.org/business-loans/business-credit-card", "verifiedAt": "2026-09-14", "notes": "Business Visa Rewards Credit Card; eligibility quoted verbatim from the same page's footnotes." }, { "name": "Openland Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "TX" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Persons who live, work, worship or attend school in and other legal entities in the Texas counties of Austin, Brazoria, Brazos, Burleson, Chambers, Fayette, Fort Bend, Galveston, Grimes, Hardin, Harris, Jefferson, Lee, Liberty, Matagorda, Montgomery, Polk, San Jacinto, Waller, Washington, and Wharton; and members of the family of such persons.", "source": "https://www.openlandcu.com/about-us/join", "verifiedAt": "2026-09-14", "notes": "Formerly Associated Credit Union of Texas; business credit card page at openlandcu.com/loans/business/business-credit-cards." }, { "name": "Mokelumne Federal Credit Union", "canonName": "Elan Financial (white-label)", "kind": "cu", "national": false, "states": [ "CA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Serving San Joaquin County (branches in Stockton and Lodi, CA).", "source": "https://www.mokelumnefcu.com/loans-services/elan-visa", "verifiedAt": "2026-09-14", "notes": "Page offers separate Elan(TM) Consumer and Elan(TM) Business credit cards, with the Elan issuer disclosure verbatim on the same page." }, { "name": "California Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "CA" ], "businessCard": true, "applyChannel": "branch", "branchOnlyProducts": [], "membership": "Membership is open to: any immediate family, spouse, partner or household member of a California Credit Union member; any employee, retiree (pensioner or annuitant) or unpaid volunteer of a Partner Organization; or, if none of the above apply, membership in the (complimentary) American Consumer Council.", "source": "https://www.ccu.com/join/", "verifiedAt": "2026-09-14", "notes": "Business Platinum/Business Rewards Visa cards; application directed to Business Banking Department by phone or branch visit per ccu.com/bank/business/credit-cards/." }, { "name": "Wright-Patt Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "OH" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Individuals who live, work, worship or attend school in Brown, Butler, Champaign, Clark, Clermont, Clinton, Darke, Delaware, Fairfield, Fayette, Franklin, Greene, Hamilton, Highland, Licking, Madison, Miami, Montgomery, Pickaway, Preble, Shelby, Union or Warren Counties in Ohio.", "source": "https://www.wpcu.coop/about-us/membership-eligibility-benefits", "verifiedAt": "2026-09-14", "notes": "Business Platinum Low Rate and Business Platinum Rewards credit cards confirmed at wpcu.coop/business/credit-cards." }, { "name": "7 17 Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "OH" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "You work, worship, or attend school in Trumbull, Mahoning, Columbiana, Portage, Stark, Summit, Geauga, Ashtabula, Cuyahoga, Lake, Medina or Wayne counties.", "source": "https://www.717cu.com/about/membership/become-a-member", "verifiedAt": "2026-09-14", "notes": "Business Visa Credit Cards confirmed at 717cu.com/business/business-loans/business-visa-credit-cards." }, { "name": "CEFCU", "canonName": null, "kind": "cu", "national": false, "states": [ "IL", "CA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "A U.S. Citizen, or resident alien, who is at least 18 years of age, and meets ONE of the following qualifications [including residency/employment in listed Illinois counties: Bond, Champaign, Christian, Clinton, DeWitt, Douglas, Ford, Fulton, Iroquois, Jersey, Knox, Livingston, Logan, Macon, Macoupin, Madison, Marshall, Mason, McLean, Monroe, Montgomery, Peoria, Piatt, Putnam, Randolph, Saint Clair, Sangamon, Stark, Tazewell, Vermilion, Washington, and Woodford; or Alameda, Contra Costa, and Santa Clara, California].", "source": "https://www.cefcu.com/who-can-join.html", "verifiedAt": "2026-09-14", "notes": "Business Credit Mastercard confirmed at cefcu.com/business/borrow/credit-cards.html (no Elan disclosure found; appears self-issued). Field of membership unusually spans IL and 3 CA counties (Caterpillar Inc. legacy)." }, { "name": "Truliant Federal Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "NC", "SC", "VA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "You can become a member if you meet any of the following criteria: Association Membership through the American Consumer Council, geographic Location requirements, Family Ties to existing members, or Employment with partner companies.", "source": "https://truliantfcu.org/Become-a-Member/Business-Membership/Business-Services-Accounts-Eligibility", "verifiedAt": "2026-09-14", "notes": "Business Visa credit card confirmed via truliantfcu.org/business/borrow/credit-cards; serves NC/SC/VA branch markets (Charlotte, Greensboro, Winston-Salem, Greenville)." }, { "name": "Copper State Credit Union", "canonName": "Elan Financial (white-label)", "kind": "cu", "national": false, "states": [ "AZ" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "You're eligible to join Copper State Credit Union if you live, work or worship in any of the following counties: Maricopa, Gila, Navajo, Pima, Pinal, Yavapai.", "source": "https://www.copperstatecu.org/membership-at-copper-state-credit-union", "verifiedAt": "2026-09-14", "notes": "Business credit card page (copperstatecu.org/business-credit-cards) states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.\"" }, { "name": "Desert Financial Credit Union", "canonName": "Elan Financial (white-label)", "kind": "cu", "national": false, "states": [ "AZ" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Desert Financial Credit Union's field of membership includes persons who live, work (or regularly conduct business in), worship, volunteer, or attend school in the State of Arizona; persons who are in the immediate family or household of a member; spouses or parties to a civil union of persons within the field of membership; organizations, businesses, groups, and/or legal entities located in the State of Arizona; associations, organizations of individuals, partnerships, limited liability companies, corporations, and other entities that are headquartered or have offices in the State of Arizona; and employees of Desert Financial.", "source": "https://www.desertfinancial.com/en/who-we-are/become-a-member", "verifiedAt": "2026-09-14", "notes": "Business credit card page (desertfinancial.com/en/business/credit-cards) confirms Elan as creditor/issuer." }, { "name": "1st Bergen Federal Credit Union", "canonName": "Elan Financial (white-label)", "kind": "cu", "national": false, "states": [ "NJ" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Membership is available to all New Jersey organizations that are headquartered or primarily operate in Bergen County, NJ (also extended to all New Jersey Community Action Partnership organizations).", "source": "https://www.1stbergen.com/business", "verifiedAt": "2026-09-14", "notes": "Same page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated.\"" }, { "name": "Homefield Credit Union", "canonName": "Elan Financial (white-label)", "kind": "cu", "national": false, "states": [ "MA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Homefield Credit Union membership is limited to those who live, work, or attend any elementary school, secondary school, or school of higher education in Worcester County or Middlesex County in Massachusetts, and includes the family members of such persons.", "source": "https://www.homefieldcu.com/business-credit-cards/", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc.\" Homefield CU is Massachusetts-based (Worcester/Middlesex counties), not NJ despite initial search framing." }, { "name": "Affinity Federal Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "NJ" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Membership at Affinity is available to the employees of participating businesses, as well as immediate family or household members (or a one-time $5 donation to the Affinity Foundation for those who don't otherwise qualify).", "source": "https://www.affinityfcu.com/about-us/membership-eligibility", "verifiedAt": "2026-09-14", "notes": "Affinity Business First Visa Credit Card confirmed at affinityfcu.com/business-banking/business-credit-card; HQ'd in Basking Ridge, NJ with NJ/NY/CT branches." }, { "name": "Teachers Federal Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "NY" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Business owners must be members or eligible for membership at Teachers; only businesses registered in NY and FL are eligible for the business credit card.", "source": "https://www.teachersfcu.org/business-lending/credit-cards", "verifiedAt": "2026-09-14", "notes": "Business credit card page confirms geographic restriction to NY/FL-registered businesses; general membership is Nassau/Suffolk County, NY based." }, { "name": "HealthCare Associates Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "IL" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "We want to make sure everyone has a chance to reach their financial goals. That's why we've made sure there are many ways to qualify for membership (see hacu.org/about/join-now/#eligibility for the four specific pathways).", "source": "https://www.hacu.org/about/join-now/", "verifiedAt": "2026-09-14", "notes": "Business credit cards confirmed at hacu.org/products-services/business-services/business-credit-cards/ (\"Reward Points powered by RAZR\"; no Elan disclosure found, appears self-issued). Serves metro Chicago, IL." }, { "name": "Empower Federal Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "NY" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "You're eligible if you: Live, work, worship, or attend school in our service area; Have a family member who is already a member; Meet select employer or community partner affiliations.", "source": "https://www.empowerfcu.com/about-us/membership", "verifiedAt": "2026-09-14", "notes": "Business Mastercard Credit Card confirmed via empowerfcu.com/business pages; \"all business owners must be personally eligible for membership\" per empowerfcu.com/business/save-spend/open-a-business-membership. Serves Central/Southern Tier NY." }, { "name": "Sharonview Federal Credit Union", "canonName": "Elan Financial (white-label)", "kind": "cu", "national": false, "states": [ "NC", "SC" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Sharonview membership is available to anyone who meets one of these criteria (current/retired employees of select employer groups, relatives of existing members, residency in a community charter area, or membership through a local association).", "source": "https://www.sharonview.org/business-services/business-credit-cards", "verifiedAt": "2026-09-14", "notes": "Page states cards are \"powered by Elan Financial Services\" and verbatim: \"The creditor and issuer of Sharonview credit cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.\" Serves both SC and NC branch markets." }, { "name": "Champion Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "NC" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "As long as you live, work, worship, or attend school in one of these counties, you can have an account with Champion Credit Union: Buncombe, Graham, Henderson, Haywood, Jackson, Madison, Macon, Swain, and Transylvania Counties.", "source": "https://www.championcu.com/who-we-are/member-faqs", "verifiedAt": "2026-09-14", "notes": "Business Visa Credit Cards confirmed at championcu.com/business/business-visa-credit-cards (no Elan disclosure found on that page; appears self-issued). Serves Western NC (Canton, NC HQ)." }, { "name": "PSECU", "canonName": null, "kind": "cu", "national": false, "states": [ "PA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "There are many ways you can be eligible to join PSECU: you live with, or are related to, a PSECU member; you're affiliated with one of the PA colleges/universities PSECU works with; you work for one of the 1,000+ PA employers PSECU partners with; or you join the Pennsylvania Recreation and Parks Society or Pennsylvania Consumer Council.", "source": "https://www.psecu.com/join", "verifiedAt": "2026-09-14", "notes": "Business Credit Card confirmed at psecu.com/credit-cards/business-cards (\"To qualify for the Business Credit Card, you must be a current PSECU member and have a PSECU Business Account\"; no Elan disclosure found, appears self-issued)." }, { "name": "Patriot Federal Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "PA", "MD", "WV" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "You are eligible to join if you live, attend school, worship, work or even if you regularly conduct business in: Franklin County, PA; Frederick County, MD; Washington County, MD; or the Eastern Panhandle of West Virginia -- Berkeley, Jefferson, and Morgan counties.", "source": "https://www.patriotfcu.org/about-patriot/", "verifiedAt": "2026-09-14", "notes": "Business Rewards Visa confirmed at patriotfcu.org/business/credit-cards/ (no Elan disclosure found on that page, appears self-issued). HQ'd in Chambersburg, PA." }, { "name": "Virginia National Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "VA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.vnb.com/index.php/products/business/business-credit-cards", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated.\" HQ'd in Charlottesville, VA." }, { "name": "Northwest Federal Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "VA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Obtaining any loan with Northwest Federal requires membership eligibility and becoming a member by opening a primary savings account.", "source": "https://www.nwfcu.org/membership/", "verifiedAt": "2026-09-14", "notes": "Visa Business Credit Cards confirmed at nwfcu.org/credit-cards/guides/guide-benefits-visa-business-credit-cards/ and business membership application at nwfcu.org/join/business-membership. Serves Northern Virginia and the DMV." }, { "name": "First Independence Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "MI" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.elanfinancialservices.com/credit-card/news-and-community/first-independence.html", "verifiedAt": "2026-09-14", "notes": "Elan's own press page: \"Detroit-based First Independence Bank chooses Elan Financial Services as credit card and merchant services partner\" -- First Independence is Michigan's only minority-owned depository institution." }, { "name": "Genisys Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "MI", "MN" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Your business can join Genisys Credit Union and benefit from the advantages of a member-owned, not-for-profit credit union if your company is located within the following areas: [MI/MN service area].", "source": "https://www.genisyscu.org/business/checking/business-eligibility", "verifiedAt": "2026-09-14", "notes": "MasterCard Business Rewards Credit Card confirmed at genisyscu.org/business/credit-cards (no Elan disclosure found, appears self-issued). Genisys serves both Michigan and Minnesota per genisyscu.org/locations." }, { "name": "DFCU Financial", "canonName": null, "kind": "cu", "national": false, "states": [ "MI", "FL" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "If you live, work, worship or attend school in Michigan's Lower Peninsula, or in a 14 county region around Tampa Bay, Central, and SW Florida, you're eligible to become a member.", "source": "https://www.dfcufinancial.com/About-Us/DFCU-Financial-Overview", "verifiedAt": "2026-09-14", "notes": "Business Visa Credit Card confirmed via dfcufinancial.com's own \"Visa Business Credit Card Guide to Benefits\" and \"Business Mastercard Credit Card Agreement\" PDFs. HQ'd in Dearborn, MI; also serves Tampa Bay, FL." }, { "name": "WSECU", "canonName": null, "kind": "cu", "national": false, "states": [ "WA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Businesses must be registered and located in Washington to be eligible for WSECU accounts. Some exceptions may be made for businesses along the Idaho border.", "source": "https://wsecu.org/business/credit-card", "verifiedAt": "2026-09-14", "notes": "Business Platinum Rewards Visa confirmed on the same page (no Elan disclosure found, appears self-issued). Washington State Employees Credit Union, HQ'd in Olympia, WA." }, { "name": "Kitsap Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "WA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "You can open an account with us if you meet one of these qualifiers: Live in Washington State; Work in Washington State; Worship in Washington State; Attend School in Washington State; or have immediate family who are Kitsap Credit Union members.", "source": "https://kitsapcu.org/about/become-a-member/", "verifiedAt": "2026-09-14", "notes": "Business credit card confirmed at kitsapcu.org/business/business-credit-card/ (no Elan disclosure found on that page). HQ'd in Bremerton, WA." }, { "name": "Bank of Tennessee", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "TN" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.bankoftennessee.com/business-credit-cards/", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated.\"" }, { "name": "Tennessee Valley Federal Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "TN" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "If you're part of the Tennessee Valley, including North Georgia, chances are you already qualify for membership: living, working, worshiping, or attending school in TVFCU's 17-county service area, having a family member who is already a member, or being part of the Chattanooga Audubon Society.", "source": "https://www.tvfcu.com/connect/become-a-member/", "verifiedAt": "2026-09-14", "notes": "Business credit cards confirmed at tvfcu.com/business/borrow/credit-cards/ (no Elan disclosure found, appears self-issued)." }, { "name": "Knoxville TVA Employees Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "TN" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Knoxville TVA Employees Credit Union Membership is available to anyone who lives, works, worships, attends school, owns a business, or has eligible family in the following areas: Blount, Hamblen, Jefferson, Knox, Loudon, Roane, Sevier, Sullivan, and Johnson City (TN) counties.", "source": "https://www.tvacreditunion.com/join.html", "verifiedAt": "2026-09-14", "notes": "KTVAECU Visa Business Credit Card confirmed at tvacreditunion.com/manage/business-services/business-credit-cards.html (no Elan disclosure found, appears self-issued)." }, { "name": "Community Banks of Colorado", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "CO" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.cobnks.com/business-banking/debit-credit-cards/", "verifiedAt": "2026-09-14", "notes": "Page footer states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated.\"" }, { "name": "Credit Union of Colorado", "canonName": null, "kind": "cu", "national": false, "states": [ "CO" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "You are automatically eligible for membership if you or a member of your family falls within the following groups (employee/retiree of an eligible employer group, family member of a member, or member of the Credit Union of Colorado Foundation -- open to any CO resident or CO-based business).", "source": "https://www.cuofco.org/credit-union-colorado-membership-eligibility", "verifiedAt": "2026-09-14", "notes": "\"A business credit card with no fees, no hassles\" confirmed at cuofco.org/small-business (no Elan disclosure found, appears self-issued)." }, { "name": "Bellco Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "CO" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "If you live or work in any of the following areas, you are automatically eligible to join Bellco: Adams, Alamosa, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Fremont, Garfield, Huerfano, Jefferson, Larimer, Las Animas, Mesa, Moffat, Pueblo, Rio Blanco, and Weld Counties, Colorado.", "source": "https://www.bellco.org/open-an-account/become-a-member/", "verifiedAt": "2026-09-14", "notes": "Business Visa Credit Card confirmed at bellco.org/business/business-lending/business-visa-credit-card/ (no Elan disclosure found, appears self-issued)." }, { "name": "Middletown Valley Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "MD" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://mvbbank.com/business-banking/credit-cards", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated.\"" }, { "name": "SECU (Maryland)", "canonName": null, "kind": "cu", "national": false, "states": [ "MD" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "SECU is for all sorts of Marylanders, not just state employees (eligible through work, the college you attended, an organization you're affiliated with, or other ways).", "source": "https://www.secumd.org/about-us/membership/eligibility/", "verifiedAt": "2026-09-14", "notes": "SECU Business Cash Back Visa card confirmed at secumd.org/business/business-lending/business-credit/ (no Elan disclosure found, appears self-issued). State Employees Credit Union of Maryland." }, { "name": "Mid-Atlantic Federal Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "MD" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Membership is open to everyone who lives, works, worships, or attends school in Montgomery County, Maryland, as well as their immediate family members (spouse, children, parents, grandparents, grandchildren, siblings and those who live in the same household).", "source": "https://www.mafcu.org/membership", "verifiedAt": "2026-09-14", "notes": "Business Credit Cards confirmed at mafcu.org/loans/credit-cards/business-credit-cards.html (no Elan disclosure found, appears self-issued). Serves Germantown, Gaithersburg, Silver Spring, MD." }, { "name": "Community First Bank of Indiana", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "IN" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://cfbindiana.com/business/additional-perks-resources/business-credit-card/", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated.\"" }, { "name": "IU Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "IN" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Any business owner living or working in one of 65 Indiana counties is eligible for business membership.", "source": "https://www.iucu.org/business/business-membership/membership-and-eligibility.html", "verifiedAt": "2026-09-14", "notes": "Business Platinum Credit card confirmed on the same page (no Elan disclosure found, appears self-issued)." }, { "name": "IMCU (Indiana Members Credit Union)", "canonName": null, "kind": "cu", "national": false, "states": [ "IN" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "All loans are subject to membership eligibility requirements, underwriting guidelines, and approval based on creditworthiness.", "source": "https://www.imcu.com/business/loans/commercial-credit-cards", "verifiedAt": "2026-09-14", "notes": "Business Visa and Business Rewards Visa commercial credit cards confirmed on the same page (no Elan disclosure found, appears self-issued). Serves Central & Southern Indiana." }, { "name": "Community Bank of Pleasant Hill", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "MO" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.cbphonline.net/business/business-credit-card.html", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated.\" Serves Pleasant Hill, Lee's Summit, Lone Jack, MO." }, { "name": "First Community Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "MO", "IL" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "All eligible businesses, government entities, individuals (including persons in their household) and the immediate family of all eligible individuals, who reside or work in the Missouri counties of St. Louis, St. Louis City, St. Charles, Jefferson, Warren and Franklin and the Illinois counties of Madison, Monroe and St. Clair.", "source": "https://www.firstcommunity.com/about-us/become-a-member.html", "verifiedAt": "2026-09-14", "notes": "Visa Business Platinum card confirmed at firstcommunity.com/loans/credit-cards/business-credit-cards.html (no Elan disclosure found, appears self-issued). Note: distinct institution from the Texas \"First Community Credit Union\" row already in this dataset." }, { "name": "CommunityAmerica Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "MO", "KS" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "If you live or work in select zip codes, you automatically qualify for membership (plus employment with 1,100+ partner companies, family relationship to an existing member, or membership in Friends of Hobbs).", "source": "https://www.communityamerica.com/why-communityamerica/become-a-member", "verifiedAt": "2026-09-14", "notes": "Business Visa Rewards Credit Card confirmed at communityamerica.com/business/borrow/business-financing/business-credit-cards (no Elan disclosure found, appears self-issued). Serves Kansas City metro (MO/KS)." }, { "name": "BLC Community Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "WI" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.blccb.com/business/loans/business-credit-cards", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated.\" Located in Little Chute, WI (Fox Valley)." }, { "name": "Capital Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "WI" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Anyone who lives, works, attends school in, owns property in, or owns/runs a business in Brown, Calumet, Dane, Dodge, Door, Fond Du Lac, Kewaunee, Manitowoc, Marathon, Marinette, Menominee, Oconto, Outagamie, Portage, Shawano, Sheboygan, Waupaca, or Winnebago counties in Wisconsin, or is an employee of Goodwill Of North Central Wisconsin, can join.", "source": "https://www.capitalcu.com/join-capitalcu", "verifiedAt": "2026-09-14", "notes": "Business credit cards confirmed at capitalcu.com/business/business-credit-cards (no Elan disclosure found, appears self-issued). Serves Northeast Wisconsin." }, { "name": "WESTconsin Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "WI", "MN" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "By law, most credit unions can only accept members from certain geographic areas or employers.", "source": "https://www.westconsincu.org/about-us/membership/become-a-member", "verifiedAt": "2026-09-14", "notes": "Business Platinum Visa Credit Card confirmed at westconsincu.org/business/spend/business-credit-cards (footnote: \"Credit card subject to credit approval and qualification, membership is required\"; no Elan disclosure found, appears self-issued). Note: the membership sentence is generic -- the page did not state a specific county list despite WESTconsin serving WI and MN counties per public knowledge; flagged for a stronger source next pass." }, { "name": "Bryant Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "AL" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.bryantbank.com/business/credit-debit-cards/", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated.\" HQ'd in Tuscaloosa, AL." }, { "name": "Alabama ONE Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "AL" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "You live, work, worship, or attend school anywhere within these 36 counties: Autauga, Baldwin, Bibb, Chambers, Cherokee, Choctaw, Clarke, Clay, Cleburne, Conecuh, Coosa, Covington, Dale, Elmore, Escambia, Etowah, Fayette, Geneva, Greene, Hale, Houston, Jefferson, Lamar, Marengo, Mobile, Monroe, Montgomery, Morgan, Pickens, Randolph, Shelby, Sumter, Tuscaloosa, Walker, Washington, and Wilcox.", "source": "https://www.alabamaone.org/join", "verifiedAt": "2026-09-14", "notes": "Alabama ONE Mastercard Business Rewards Card confirmed at alabamaone.org/business-credit-cards (no Elan disclosure found, appears self-issued). HQ'd in Tuscaloosa, AL." }, { "name": "Alabama Central Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "AL" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "If you live, work, worship or attend school in any of these Alabama counties, you're eligible for membership!", "source": "https://alabamacentral.org/become-a-member/", "verifiedAt": "2026-09-14", "notes": "Business credit cards (Classic/Gold/Platinum Visa) confirmed at alabamacentral.org/business-credit-cards/ (no Elan disclosure found, appears self-issued). HQ'd in Birmingham, AL." }, { "name": "Greater Nevada Credit Union", "canonName": "Elan Financial (white-label)", "kind": "cu", "national": false, "states": [ "NV" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Business membership/ownership with GNCU is open to companies that are registered and have a physical location in any of Nevada's 17 counties.", "source": "https://www.gncu.org/business/business-credit-cards/", "verifiedAt": "2026-09-14", "notes": "Page states verbatim: \"The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.\"" }, { "name": "Silver State Schools Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "NV" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Membership eligibility is required. Must be a Silver State Schools Credit Union member to borrow. Membership at SSSCU requires a savings account with a minimum balance.", "source": "https://www.silverstatecu.com/business/credit-cards", "verifiedAt": "2026-09-14", "notes": "Business Premier Credit Cards (2% Cash Back and Low Rate variants) confirmed on the same page (no Elan disclosure found, appears self-issued). HQ'd in Las Vegas, NV." }, { "name": "Regions Bank", "canonName": "Regional banks & CUs by geography", "kind": "bank", "national": false, "states": [ "FL", "TN", "AL", "GA", "MS", "TX", "LA", "AR", "MO", "IL", "IN", "SC", "KY", "NC", "IA", "UT" ], "businessCard": true, "applyChannel": "banker", "branchOnlyProducts": [], "membership": null, "source": "https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm", "verifiedAt": "2026-09-14", "notes": "regions.com is Incapsula-protected and returned no fetchable state list from any session; Regions Financial Corp's own FY2025 Form 10-K (filed 2026-02-24 with the SEC, Item 1 Business) states verbatim: \"the following table reflects the distribution of branch locations in each of the states in which Regions conducts its banking operations\" with a 16-state branch count table (Florida 270, Tennessee 194, Alabama 184, Georgia 117, Mississippi 97, Texas 85, Louisiana 79, Arkansas 55, Missouri 48, Illinois 40, Indiana 40, South Carolina 18, Kentucky 9, North Carolina 6, Iowa 4, Utah 1; total 1,247 branches). Named in canon (channel_notes: \"Alec names Regions as an add by state\") under the \"Regional banks & CUs by geography\" entry." }, { "name": "Metro Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "MA", "NH" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "You're eligible for membership at Metro Credit Union if you live, work, go to school, or have a place of business in: Essex, Middlesex, Norfolk, Suffolk, Worcester, Plymouth, Barnstable, Bristol, Franklin, Hampshire, and Hampden County, Massachusetts; Hillsborough, Rockingham, Cheshire, Merrimack and Strafford County, New Hampshire.", "source": "https://www.metrocu.org/personal/how-do-i-become-a-member", "verifiedAt": "2026-09-14", "notes": "Visa Business Credit Cards confirmed at metrocu.org/business/credit-cards (no Elan disclosure found, appears self-issued). HQ'd in Chelsea, MA (Greater Boston)." }, { "name": "Service Credit Union", "canonName": null, "kind": "cu", "national": true, "states": [], "businessCard": true, "applyChannel": "phone", "branchOnlyProducts": [], "membership": "Members of the American Consumer Council (Not a member? Visit the ACC online and join for free with promo code \"Service\")", "source": "https://servicecu.org/about-us/become-a-member/", "verifiedAt": "2026-09-14", "notes": "Business card: Service Credit Union Visa® Business Platinum Card (https://servicecu.org/borrow/business-loans/business-platinum-card/). Join path: American Consumer Council membership, verified 2026-09-14. No geographic restriction stated on either the membership-eligibility page or the business-card page (contrast: Andrews FCU and United FCU both confirm ACC membership on their own pages but explicitly restrict business eligibility to a branch radius / individuals-only, so were rejected for this nationwide claim)." }, { "name": "First National Bank Alaska", "canonName": null, "kind": "bank", "national": false, "states": [ "AK" ], "businessCard": true, "applyChannel": "banker", "branchOnlyProducts": [], "membership": null, "source": "https://www.fnbalaska.com/business/business-credit-card/", "verifiedAt": "2026-09-24", "notes": "Business Mastercard for travel, equipment, client entertainment and fleet expenses; no self-service online application -- page directs prospects to \"Talk with a Local Expert\" via phone/email, treated as banker-channel." }, { "name": "Denali State Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "AK" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.denalistatebank.com/loans-credit/credit-cards/business-credit-cards.html", "verifiedAt": "2026-09-24", "notes": "Business credit cards issued by Elan Financial Services under Visa/Mastercard license; page has an online Apply Now link, no branch/banker requirement stated." }, { "name": "Camden National Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "ME" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.camdennational.bank/business/small-business/borrow/business-credit-cards", "verifiedAt": "2026-09-24", "notes": "Page states \"The creditor and issuer of these cards is Elan Financial Services\"; Apply online link goes to mycardapply.com; also available at any banking center." }, { "name": "Bangor Savings Bank", "canonName": null, "kind": "bank", "national": false, "states": [ "ME" ], "businessCard": true, "applyChannel": "banker", "branchOnlyProducts": [], "membership": null, "source": "https://www.bangor.com/everblue/everblue-business/everblue-business-rewards-plus/", "verifiedAt": "2026-09-24", "notes": "everblue Business Rewards Plus Mastercard; page states \"To apply for an everblue Business Rewards Plus Credit Card, please schedule an appointment or visit a local branch.\"" }, { "name": "Rocky Mountain Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "MT" ], "businessCard": true, "applyChannel": "branch", "branchOnlyProducts": [], "membership": "To become a member of RMCU, you must meet one of the following qualifications: Live, work, or worship in one of these Montana counties: Broadwater, Cascade, Deer Lodge, Gallatin, Jefferson, Lewis and Clark, Madison, Park, Powell, Missoula, or Silver Bow; Be a State of Montana employee; Be a relative of a current member; Be an employee of these select businesses; or Be an alumnus of Montana State University.", "source": "https://rmcu.net/business/credit-card", "verifiedAt": "2026-09-24", "notes": "Cash-back business Visa with a one-page application and instant issuing in branches; membership eligibility from https://rmcu.net/membership." }, { "name": "First Hawaiian Bank", "canonName": null, "kind": "bank", "national": false, "states": [ "HI" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.fhb.com/en/business/credit-cards", "verifiedAt": "2026-09-24", "notes": "Multiple bank-issued business cards (Cash Rewards, Priority Rewards, United World Elite, Business Mastercard) each with an Apply Now online link; Corporate Card is by appointment." }, { "name": "Gulf Coast Bank & Trust", "canonName": null, "kind": "bank", "national": false, "states": [ "LA" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.gcbank.com/business/credit-cards", "verifiedAt": "2026-09-24", "notes": "Standard and Rewards/Preferred Points business Mastercards; page offers apply online, downloadable PDF application, or in person at a branch." }, { "name": "Centreville Bank", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "RI" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.centrevillebank.com/Commercial/Business-Banking/Business-Credit-Cards", "verifiedAt": "2026-09-24", "notes": "Page states \"The creditor and issuer of these cards is Elan Financial Services\"; Apply Now and Credit Card Center (myaccountaccess.com, theme=elan1) both confirm Elan issuance; online apply is the primary method." }, { "name": "Washington Trust", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "RI" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.washtrust.com/commercial/Credit-Cards", "verifiedAt": "2026-09-24", "notes": "Page states \"The creditor and issuer of these cards is Elan Financial Services\"; Learn more links go to mycardapply.com; online application only, no branch/phone requirement stated." }, { "name": "Green Mountain Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "VT" ], "businessCard": true, "applyChannel": "branch", "branchOnlyProducts": [], "membership": "Membership is open to anyone who lives, works or worships in Chittenden, Addison, Franklin, Rutland, Washington, Orange, Grand Isle, Lamoille, and Windsor Counties.", "source": "https://www.greenmountaincu.com/business-lending/", "verifiedAt": "2026-09-24", "notes": "Business lending page lists Business Visa Credit Cards; no self-serve online card application found -- prospects use a contact form / loan officer. Membership from https://www.greenmountaincu.com/membership/." }, { "name": "Union Bank", "canonName": null, "kind": "bank", "national": false, "states": [ "VT" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.ublocal.com/commercial/commercial-financing/visa-business-credit-card/", "verifiedAt": "2026-09-24", "notes": "Morrisville, VT-based bank; Visa Platinum Business Credit Card and a Company Rewards Charge Card for larger businesses; page provides an Apply Online link (toggle from Personal to Business Credit Cards)." }, { "name": "Sikorsky Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "CT" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "You don't need to work at Sikorsky Aircraft to become a Sikorsky Credit Union member! If you live, work, worship, or volunteer in Fairfield, New Haven, or Hartford counties, or have a family member who does, you're eligible to join.", "source": "https://www.sikorskycu.org/business/business-credit-cards", "verifiedAt": "2026-09-24", "notes": "Business credit card page offers \"Learn More & Apply\" online; membership from https://www.sikorskycu.org/membership-benefits." }, { "name": "Connecticut Community Bank", "canonName": null, "kind": "bank", "national": false, "states": [ "CT" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://ccbankonline.com/business-banking/visa-business-credit-card/", "verifiedAt": "2026-09-24", "notes": "Norwalk, CT bank offering Small Business Rewards, Cash Rewards, Edition, and Company Rewards Charge cards; page has an \"Apply Today\" online application link." }, { "name": "Tinker Federal Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "OK" ], "businessCard": true, "applyChannel": "branch", "branchOnlyProducts": [], "membership": "Military personnel, civilian personnel, contractor or employee of the United States Government assigned to or works at Tinker Air Force Base, Vance Air Force Base, an Army National Guard facility, or an Oklahoma Armed Forces Reserve Center.", "source": "https://www.tinkerfcu.org/business-services/business-visa-credit-card/", "verifiedAt": "2026-09-24", "notes": "Business Visa Credit Card page has no self-serve online application; membership page directs those who don't fit to call the contact center or visit a branch. Membership from https://www.tinkerfcu.org/join-tfcu/ (page also notes \"over 3,600 different ways to qualify\")." }, { "name": "BancFirst", "canonName": "Elan Financial (white-label)", "kind": "elan-issuer", "national": false, "states": [ "OK" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.bancfirst.bank/Business/Treasury-Management/Payables/Business-Credit-Card", "verifiedAt": "2026-09-24", "notes": "BancFirst Visa Business Credit Card, issued by Elan Financial Services under license from Visa; page states you can apply online or pick up an application in a branch." }, { "name": "Capital Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "ND" ], "businessCard": true, "applyChannel": "branch", "branchOnlyProducts": [], "membership": "We welcome new members as long as they live within a short haul of Bismarck, Fargo, Beulah, Hazen, New Salem or Flasher.", "source": "https://www.capcu.org/business/cards/visa-credit-cards", "verifiedAt": "2026-09-24", "notes": "Classic and Rewards Business Visa cards instantly issued at listed ND branches; also has an online \"Start Your Business Visa Application\" contact form. Membership from https://www.capcu.org/about/join-us." }, { "name": "Dakotaland Federal Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "SD" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "For Dakotaland, this new designation includes persons who live, work, worship or attend school in, and businesses and other legal entities located in Aurora, Beadle, Bon Homme, Brookings, Brown, Brule, Buffalo, Campbell, Charles Mix, Clark, Clay, Codington, Davison, Day, Deuel, Douglas, Edmunds, Faulk, Grant, Haakon, Hamlin, Hand, Hanson, Hughes, Hutchinson, Hyde, Jerauld, Jones, Kingsbury, Lake, Lawrence, Lincoln, Lyman, Marshall, McCook, McPherson, Meade, Miner, Minnehaha, Moody, Pennington, Potter, Roberts, Sanborn, Spink, Stanley, Sully, Turner, Union, Walworth, and Yankton Counties in South Dakota.", "source": "https://www.dakotalandfcu.com/business-banking", "verifiedAt": "2026-09-24", "notes": "Business VISA credit card with ScoreCard Rewards; Apply Now leads to a business loan application form (also available via branch/phone loan officers). Membership from https://www.dakotalandfcu.com/about-us/field-of-membership." }, { "name": "Meridian Trust Federal Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "WY" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "You can join if you have an immediate family member with an account, if you are active or retired military, or if you qualify through where you live, work, worship, or attend school.", "source": "https://mymeridiantrust.com/business/credit-cards/", "verifiedAt": "2026-09-24", "notes": "Business Visa with no annual fee and no balance-transfer fees; \"Get Started Now\" online account opening (in-person and phone also offered). Membership from https://mymeridiantrust.com/open-an-account/." }, { "name": "Keesler Federal Credit Union", "canonName": null, "kind": "cu", "national": false, "states": [ "MS" ], "businessCard": true, "applyChannel": "banker", "branchOnlyProducts": [], "membership": "Membership at Keesler Federal is open to individuals who live, work, worship, or attend school in many communities across Mississippi, Louisiana, Alabama, and the UK.", "source": "https://www.kfcu.org/business-banking/business-loans", "verifiedAt": "2026-09-24", "notes": "Business credit cards section directs prospects to \"Meet with a Commercial Lender\" / talk with a business specialist; no self-serve online application found. Membership from https://www.kfcu.org/membership." }, { "name": "St. Mary's Bank", "canonName": null, "kind": "cu", "national": false, "states": [ "NH" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": "Membership is open to anyone, all you need is $5 for your membership share.", "source": "https://www.stmarysbank.com/for-your-business/borrow/credit-cards", "verifiedAt": "2026-09-24", "notes": "State-chartered credit union (not a commercial bank, despite the name); Visa Business Platinum Rewards card, page offers Online and In Person apply options. Membership from https://www.stmarysbank.com/for-you/join/become-a-member." }, { "name": "Key Bank", "canonName": "Key Bank", "kind": "bank", "national": false, "states": [ "AK", "CO", "CT", "FL", "ID", "IN", "ME", "MA", "MI", "NY", "OH", "OR", "PA", "UT", "VT", "WA" ], "businessCard": true, "applyChannel": "banker", "branchOnlyProducts": [], "membership": null, "source": "https://www.key.com/locations/index.html", "verifiedAt": "2026-09-24", "notes": "Branch footprint (16 states) per KeyBank's own 'Browse by State' locator page. Business Cash Rewards card page (key.com) has no self-serve online apply -- CTA is 'Contact Us', which leads to a phone number (1-888-KEY4BIZ) or an in-branch banker appointment; applyChannel set to banker to match. Single-source pending claim (historically $20K card on newly opened checking, $50K line for 2+ year businesses) -- Troy-approved optional layer, 2026-09-24." }, { "name": "FNBO", "canonName": "FNBO", "kind": "bank", "national": false, "states": [ "CO", "IL", "IA", "KS", "NE", "SD", "TX", "WY" ], "businessCard": true, "applyChannel": "online", "branchOnlyProducts": [], "membership": null, "source": "https://www.fnbo.com/branch-locations/states", "verifiedAt": "2026-09-24", "notes": "Branch footprint (8 states) per FNBO's own 'States with FNBO Branch Locations' page. Business credit card is applied for online (fnbo.com/small-business/credit-cards, 'Apply Now'); eligibility is zip/county-gated ('Products and rates may vary by the county of your primary residence' -- some areas return 'we do not offer this product in your area'), independent of the branch-footprint states listed here. Single-source pending claim ($10,000 live approval via zip-gated pre-approval) -- Troy-approved optional layer, 2026-09-24." } ] }