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Business Credit Cards

Controlling cash flow is a vital part of any business. By moving to card based payments, you can:

  • Eliminate multiple payment methods and set up your FIBT EVOLVE card(s) as your one-stop shop.
  • Reduce the cost of cutting checks to pay suppliers
  • Capitalize on every dollar leaving your business and positively impact your bottom line
  • Gain more control through a sophisticated user-friendly online-platform
  • Earn rewards for streamlining processes through FIBT's payment solutions.

Visa Evolve Card

EVOLVE Business Visa® Credit Card

Designed for companies that have been in business for at least one year with annual sales revenue of $2 million or less and need less than 10 cards in their program.

  • Visa Benefits for Business

    • Roadside Dispatch

      Emergency roadside assistance services, such as towing, fuel delivery and more, coordinated by a 24/7 on-demand referral dispatch network.

      Auto Rental Collision Damage Waiver

      Provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.

      Travel & Emergency Assistance

      Puts the cardholder in touch with the appropriate emergency services should the need arise. Automatic common carrier accidental death and dismemberment coverage for cardholders and their eligible family members when they use a covered Visa card to purchase travel tickets.

      Purchase Security and Extended Protection

      Reimbursement to the cardholder in the event of loss, theft, damage, or fire within 90 days from the purchase date for eligible items purchased with an eligible Visa card. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to one full year on warranties of three years or less.

  • Rewards

    • One Point for Every $1 Spent

      Earn one point per $1 spent on purchases made on any First International Bank & Trust EVOLVE Business or Business+ cards registered to your business.

      No Cap on Rewards Points

      There’s no cap on points and your points do not expire as long as your account remains open and the Rewards Program has not ended.

      Accelerated Rewards

      Combine points from all FIBT business and personal credit cards that come with LiveFirst Rewards to earn high value awards more quickly.

      Redeem Points for Travel, Statement Credits, Merchandise & More

      Enjoy automatic enrollment in LiveFirst Rewards. Redeem as you wish, as often as you wish for things or experiences that are meaningful to you or your business.

      Air Travel Flexibility

      Use rewards points to purchase airline tickets on most national and international carriers anytime, with no blackout dates.

  • Account Management & Reporting

    • Secure Web & Mobile Access

      You can access your account online to review transaction data, produce reports and monitor your business expenses, all through a secure, mobile-friendly, easy-to-use web browser interface.

      Easy Account Creation

      Create new accounts and order cards online. Receive new cards within 7 to 10 business days from submission, or request expedited delivery if a rush is required.

      Real-Time Account Management

      Define and control levels of access, set individual employee credit limits, review transactions, and restrict merchants and categories for which the card can be used.

      Authorizations & Declines

      View transaction authorizations and declines as they occur.

      Manage Account Statements Online

      Make payments from several different accounts or just one. You have the option to select statement amount, other amount or current balance.

      View & Download Transaction Data

      View and download standard and customized reporting: merchant category reports and transaction-level data at the account and cardholder level.

      Transfer Data to Accounting Programs

      Integrate and map data directly to your expense management or ERP systems.

      Improve Expense Management

      Understand and better manage expenses and vendor/category spend through reports and dashboards.

  • Additional benefits

    • Apple Pay® & Google Pay™

      Use your Visa Card with Apple Pay and Google Pay for added speed, security and convenience when making purchases in-store, in-app and online.***

      Contactless Payments

      Check out quickly and securely with your contactless card. Tap your card to pay at a contactless-enabled checkout terminal, and your payment is processed in seconds.


How to Apply

Contact a Banker

EVOLVE Business Visa Credit Card Disclosure

EVOLVE Business Visa Credit Card Billing Rights


Visa Evolve Card Plus

EVOLVE Business + Visa® Card

Designed for companies that have been in business for at least two years and have annual sales revenue between $2-10 million and typically spend $25,000 or more a month in payables on their cards.

  • Visa Benefits for Business

    • Roadside Dispatch

      Emergency roadside assistance services, such as towing, fuel delivery and more, coordinated by a 24/7 on-demand referral dispatch network.

      Auto Rental Collision Damage Waiver

      Provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.

      Travel & Emergency Assistance

      Puts the cardholder in touch with the appropriate emergency services should the need arise. Automatic common carrier accidental death and dismemberment coverage for cardholders and their eligible family members when they use a covered Visa card to purchase travel tickets.

      Purchase Security and Extended Protection

      Reimbursement to the cardholder in the event of loss, theft, damage, or fire within 90 days from the purchase date for eligible items purchased with an eligible Visa card. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to one full year on warranties of three years or less.

  • Rewards

    • One Point for Every $1 Spent

      Earn one point per $1 spent on purchases made on any First International Bank & Trust EVOLVE Business or Business+ cards registered to your business.

      No Cap on Rewards Points

      There’s no cap on points and your points do not expire as long as your account remains open and the Rewards Program has not ended.

      Accelerated Rewards

      Combine points from all FIBT business and personal credit cards that come with LiveFirst Rewards to earn high value awards more quickly.

      Redeem Points for Travel, Statement Credits, Merchandise & More

      Enjoy automatic enrollment in LiveFirst Rewards. Redeem as you wish, as often as you wish for things or experiences that are meaningful to you or your business.

      Air Travel Flexibility

      Use rewards points to purchase airline tickets on most national and international carriers anytime, with no blackout dates.

  • Account Management & Reporting

    • Secure Web & Mobile Access

      You can access your account online to review transaction data, produce reports and monitor your business expenses, all through a secure, mobile-friendly, easy-to-use web browser interface.

      Easy Account Creation

      Create new accounts and order cards online. Receive new cards within 7 to 10 business days from submission, or request expedited delivery if a rush is required.

      Real-Time Account Management

      Define and control levels of access, set individual employee credit limits, review transactions, and restrict merchants and categories for which the card can be used.

      Authorizations & Declines

      View transaction authorizations and declines as they occur.

      Manage Account Statements Online

      Make payments from several different accounts or just one. You have the option to select statement amount, other amount or current balance.

      View & Download Transaction Data

      View and download standard and customized reporting: merchant category reports and transaction-level data at the account and cardholder level.

      Transfer Data to Accounting Programs

      Integrate and map data directly to your expense management or ERP systems.

      Improve Expense Management

      Understand and better manage expenses and vendor/category spend through reports and dashboards.

  • Additional benefits

    • Apple Pay® & Google Pay™

      Use your Visa Card with Apple Pay and Google Pay for added speed, security and convenience when making purchases in-store, in-app and online.***

      Contactless Payments

      Check out quickly and securely with your contactless card. Tap your card to pay at a contactless-enabled checkout terminal, and your payment is processed in seconds.


How to Apply

Contact a Banker

EVOLVE Business + Visa Card Disclosure

EVOLVE Business + Visa Card Billing Rights


Visa Evolve Card Comm

EVOLVE Commercial Visa® Card

Designed for companies that have been in business for at least three years and have annual sales revenue over $10 million and typically spend $50,000 or more a month in payables on their cards.

  • Visa Benefits for Business

    • Roadside Dispatch

      Emergency roadside assistance services, such as towing, fuel delivery and more, coordinated by a 24/7 on-demand referral dispatch network.

      Auto Rental Collision Damage Waiver

      Provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.

      Travel & Emergency Assistance

      Puts the cardholder in touch with the appropriate emergency services should the need arise. Automatic common carrier accidental death and dismemberment coverage for cardholders and their eligible family members when they use a covered Visa card to purchase travel tickets.

      Purchase Security and Extended Protection

      Reimbursement to the cardholder in the event of loss, theft, damage, or fire within 90 days from the purchase date for eligible items purchased with an eligible Visa card. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to one full year on warranties of three years or less.

  • Capitalize Your Spend

    • Receive an annual cash rebate based on the volume of your total card spend. Rebates are offered within a tiered volume structure.

  • Account Management & Reporting

    • Secure Web & Mobile Access

      You can access your account online to review transaction data, produce reports and monitor your business expenses, all through a secure, mobile-friendly, easy-to-use web browser interface.

      Easy Account Creation

      Create new accounts and order cards online. Receive new cards within 7 to 10 business days from submission, or request expedited delivery if a rush is required.

      Real-Time Account Management

      Define and control levels of access, set individual employee credit limits, review transactions, and restrict merchants and categories for which the card can be used.

      Authorizations & Declines

      View transaction authorizations and declines as they occur.

      Manage Account Statements Online

      Make payments from several different accounts or just one. You have the option to select statement amount, other amount or current balance.

      View & Download Transaction Data

      View and download standard and customized reporting: merchant category reports and transaction-level data at the account and cardholder level.

      Transfer Data to Accounting Programs

      Integrate and map data directly to your expense management or ERP systems.

      Improve Expense Management

      Understand and better manage expenses and vendor/category spend through reports and dashboards.

  • Additional Benefits

    • Apple Pay® & Google Pay™

      Use your Visa Card with Apple Pay and Google Pay for added speed, security and convenience when making purchases in-store, in-app and online.***

      Contactless Payments

      Check out quickly and securely with your contactless card. Tap your card to pay at a contactless-enabled checkout terminal, and your payment is processed in seconds.


How to Apply

Contact a Banker

EVOLVE Commercial Visa Card Disclosure

EVOLVE Commercial Visa Card Billing Rights


*Certain limitations and restrictions apply. Benefits and discounts are subject to change at any time without notice. Ask us for details.

** All credit cards are subject to credit approval. Terms and conditions apply.

***Apple Pay, and Google Pay are available for in-store, in-app and online purchases on Apple Pay- and Google Pay-equipped devices, respectively, at participating merchants. Data rates and fees may apply.

Visa is a registered trademark owned by Visa International Service Association and is used under license.

Apple Pay is a registered trademark of Apple Inc.

Google Pay is a trademark of Google LLC.