Credit Cards for Community Associations

Managing the spending of a community association requires a delicate balance of transparency, control and efficiency. Traditional methods often force managers or board members to rely on personal funds for smaller community needs, leaving you with manual reimbursements and complex invoicing.

Our powerful credit card program addresses the challenges unique to the HOA industry by enhancing your spending power and providing the visibility necessary to manage expenses and operate smoothly.

Card Program Features & Benefits

• Tailored Credit Lines: Access credit limits specifically customized to meet your community association’s requirements.
• Real-Time Card Management: Gain full control with the ability to change spending limits or issue and cancel cards instantly as your team changes.
• Enhanced Visibility: Monitor all transactions, view statements and access detailed expense reporting for all cardholders in one place.
• Security and Fraud Protection: Benefit from zero liability, ensuring you are not held responsible for unauthorized or fraudulent charges when reported within the required master agreement timeframe.
• Flexible Card Options: Utilize unlimited physical and virtual cards to provide your team with the tools they need for both on-site and digital purchases.
• Seamless Data Integration: Streamline your accounting processes through advanced data integration capabilities.
• Dedicated Support: Receive assistance from a team focused on the onboarding and ongoing management of your card program.

Compare Card Offerings

Card Program	Business Rewards Card	Business Preferred Rewards	Commercial Card Solution
At a Glance	A powerful credit card to maximize working capital and increase visibility of company spend while being rewarded for spending.	Earn unlimited 1.5% back on all purchases, with no limits or category restrictions.	Our commercial card solution can help your company manage payments and expenses while providing consultative support through our dedicated card relationship managers.
Annual Fee	No Annual Fee	$50 Annual Fee	No Annual Fee
Earn Rate	1.25x points earned per dollar spend by paying with your card. Points can be redeemed for statement credits, travel or gift cards.	1.50x points earned per dollar spend by paying with your card. Points can be redeemed for statement credits, travel or gift cards.	Monthly statement credit on previous month's purchase volume with no category exceptions. Rates bases upon spend levels.
Redeem Rewards	Cash Back Spend more and earn more to reinvest in your business. Gift Cards Fuel client appreciation or incentivize your team. Travel Cover flights, hotel stays and more eligible travel purchases.	Cash Back Spend more and earn more to reinvest in your business. Gift Cards Fuel client appreciation or incentivize your team. Travel Cover flights, hotel stays and more eligible travel purchases.	Automatic monthly statement credits
Interest	Interest: 19.25% (Prime+12.5%)	Interest: 19.25% (Prime+12.5%)	Interest: 19.25% (Prime+12.5%)