Business Credit Cards
Credit cards to run and grow your business.
Keeping track of expenses is no small task. That’s why a great business credit card is essential to the success of your small business. Hancock or Whitney Visa® Business Credit Cards offer the perfect solution for managing all of your company’s purchases, with the added security and convenience of a credit card accepted worldwide.
Visa Business Credit Card
- No annual fee
- Competitive APR indexed to the Wall Street Journal U.S. Prime rate.¹
Visa Points Plus Business Credit Card
- Competitive APR indexed to the Wall Street Journal U.S. Prime Rate.1
- Earn rewards points on everyday business purchases2 and redeem them for cash back, products, travel, gift cards and more3.
Points Plus Business Rewards
With our Visa® Points Plus Business Rewards, you can earn points on the business purchases you make everyday on your Hancock or Whitney Points Plus Business Credit Card. New Points Plus Business Rewards cardholders are automatically enrolled, so your business will start earning rewards points from its very first eligible credit card transaction2. Redeem your rewards anytime for cash back, travel, hotel stays, gift cards and more2. It’s the perfect way to make the most of your growing business.
How Points Add Up
Earn one (1) Reward Point per one dollar ($1) spent on all eligible credit card transactions2 using your Hancock VISA® Points Plus Business Credit Card.
All Visa Business Cards Offer:
Unlock a world of savings. Automatically receive discounts when you make qualifying purchases at participating merchants.4 Visit Visa Savings Edge for more information and to enroll your Visa Business card.
Only pay for what you’ve purchased5. Shop online or in-store with the peace of mind knowing that you're entitled to certain protections from unauthorized use of your cards or account information.
Don’t sweat it. The Visa Liability Waiver Program6 protects you from eligible losses caused by employee misuse of a business card.
Travel & Emergency Assistance
Help when you don't know where to turn! Visa Travel & Emergency Assistance7 will put you in touch with the appropriate emergency services should the need arise, while travel insurance protects you from accidents and baggage delays.
Theft or Damage Coverage
Shop with confidence, knowing that virtually everything you purchase with your covered Hancock or Whitney Visa® Business Credit Card is protected in case of theft or damage for the first 90 days8 from the date of purchase.
Ready to apply?
INSURANCE PRODUCTS ARE:
NOT DEPOSITS OF THE BANK OR AN AFFILIATE OF THE BANK.
NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY.
NOT GUARANTEED BY THE BANK OR AN AFFILIATE OF THE BANK.
Hancock or Hancock Bank Visa® credit cards are issued by Whitney Bank. “Hancock Bank” is the trade name used by Whitney Bank in offering and providing banking products and services through Whitney Bank’s locations in Mississippi, Alabama, and Florida. Therefore, Whitney Bank will own all approved credit card accounts and sponsor any related rewards programs.
1 The APR for the Points Plus Business Credit Card and Business Credit Card varies based on an Index. The Index is The Wall Street Journal U.S. Prime Rate as designated in the “Money Rates” section of The Wall Street Journal. The APR for the Points Plus Business Credit Card is U.S. Prime Rate + 8.25% and for the Business Credit Card is U.S. Prime Rate + 6.65%. As of 03/16/2017, the APR for the Points Plus Business Credit Card is 12.25% and for the Business Credit Card is 10.65%. This APR may change according to the current Prime Rate.
2 To earn rewards points, purchases must be eligible credit card transactions. Eligible credit card transactions include any signature-based transaction made using your credit card account, net of any returns, credits or adjustments. Purchases that are initiated fraudulently or with a lost, stolen, counterfeit or cancelled card, gaming-related purchases, cash access transactions (such as, but not limited to, cash advances, the purchase of travelers cheques, money orders or cashier's checks), cash access transactions designated as purchases and account fees or finance charges, if any, are not eligible credit card transactions. In addition, PIN-based transactions made using your credit card account are not eligible credit card transactions. Other restrictions may apply.
3For more details on the 1% cash back reward and other rewards, go to www.hancockwhitney.com/pointsplus.
4 Discounts are provided in the form of credits posted to the cardholder’s applicable VISA business credit card account. Please visit www.visasavingsedge.com for complete details on the program, including terms and conditions.
5 Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to ATM transactions, certain commercial card transactions, or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations, and other details, please consult your issuer or visit www.visa.com/security.
6 Visa Liability Waiver protects you against eligible losses that might be incurred through card misuse by a terminated eligible cardholder. The program waives certain eligible charges in the event that one of your eligible cardholders misuses Visa Business card privileges. A complete description of these benefits, including any limitations and applicable third party fees, will be provided at the time the card is issued.
7 The Hancock or Whitney Visa® Business Credit cardholder, spouse and dependent children are automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, or when entering or exiting, any licensed common carrier, provided the entire cost of the passenger fares has been charged to your eligible Hancock or Whitney Visa® Business Credit card. Additionally, you'll be reimbursed up to the maximum Baggage Delay Benefit Amount of $300.00 for checked baggage that does not arrive within 24 hours on any trip covered under this policy for emergency purchase of essential items. A complete description of coverage and services including any restrictions, limitations or exclusions will be provided to you at the time your card is issued.
8 Within the first ninety (90) days of purchase, Visa Purchase Security will, at the Provider’s discretion, replace, repair, or reimburse you for your eligible items of personal property purchased entirely with your Visa Business Card up to a maximum of $10,000 per claim and $50,000 per cardholder in the event of theft or damage. Extended Protection doubles the time period of the original manufacturer’s written U.S. warranty up to one (1) full year on warranties of three (3) years or less, and up to a maximum of $10,000 per claim. A complete description of coverage and services including any restrictions, limitations or exclusions will be provided to you at the time your card is issued.