Business Spending Made Simple
Manage everyday business expenses with flexible purchasing power and local support you can count on.
Cardholder Resources
Get the most out of your credit card. Our card payment options and fraud alerts simplify spending and let you go on with your day.
Frequently Asked Questions
A business credit card is designed for business expenses, such as supplies, travel, advertising, and recurring services.
Small businesses, sole proprietors, and established companies can apply, though approval depends partly on the owner’s personal credit.
No, a business credit card is not reported to credit bureaus.
Common business expenses include office supplies, software, travel, fuel, and other business expenses.
Yes, a business will need to be established for a minimum of 2 years.
No. Mixing personal and business spending can make bookkeeping harder and create tax and liability issues.
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Additional Business Options
1Pre-qualification is a qualifying offer based on a soft credit pull. While pre-qualification shows you what rates you may qualify for with no impact to your credit score, these offers may change based on a full credit check during pre-approval. The pre-approval process will occur upon accepting a pre-qualification offer and will include a review of your credit report and personal information to determine what loan amount and rate you can receive; these rates are good for up to 30 days and require a hard credit pull which impacts your credit score. Pre-Qualified offers are initial, conditional offers and are subject to change based on completion of a final application, verification of information provided and other conditions determined solely by Gulf Winds. Offers are not guaranteed and not a commitment to lend.
1Please allow two business days for posting on payments via transfer from an external account.
2Please note external accounts cannot utilize our automated Phone Banking and fees may be charged to facilitate a payment from an external account.