Credit Cards

Banner image of a train on the tracks taken from the Centennial Bridge

The Blackhawk Bank & Trust Business Visa and Business Visa Rewards Cards offer a plain and simple approach to managing your business expenses. Get the card you trust with fixed rates and local service.

Click here to view and download an application for our Business Visa and Business Visa Rewards Cards.

To view the Visa® Business terms and conditions, click here.

Blackhawk Bank & Trust
301 West Fourth Street
P.O. Box 1098
Milan, IL 61264-1098
(309) 787-9528

Business Credit Card Types 
Business Visa Card Business Visa 
Rewards Card
No Annual FeeNo Annual Fee
Visa purchase security and extended protection benefitsEarn 1 point for every $2 in net purchases
Travel and Emergency AssistanceScoreCard Bonus Points
Visa Business Auto Rental Collision Damage WaiverVisa Business Auto Rental Collision Damage Waiver
Visa's Zero Liability ProgramVisa's Zero Liability Program
Local Service. 
Local Payment Options.Local Service. 
Local Payment Options.
Summary of Business Visa Credit Card Terms 
Overlimit Fee: $25.00
Late Payment Fee: $25.00
Transaction Fee for Cash Advances: The charge for each Cash Advance obtained through any ATM of $40.00 or greater is 3% of the amount of the advance. The charge for each Cash Advance obtained through any other source is 3% of the amount of the advance, but in no event is less than $10.00, or greater than $50.00
*Penalty Fee: If anytime during a 12 month period the account is more than 30 days past due, the penalty APR will apply.
These rates and fees are effective as of December 2014. Additional account details will be provided when you apply to become a cardholder.
Fixed Rate Business Visa Annual Percentage Rate (APR) for Purchases12.99% APR

Business Visa Rewards Annual Percentage Rate (APR) for Purchases12.99% APR

Other APRsCash Advance APR: 19.99%
 Penalty Rate: 19.99%*
Grace Period for Repayment of Balance of Purchases25 days from the date of the billing statement on new purchases (provided you have paid your previous balance in full by the due date)
Method of Computing the Balance for PurchasesAverage daily balance (including new purchases)
Business Visa Annual FeeNone
Business Visa Rewards Annual FeeNone
Minimum Finance ChargeNone
U.S. Currency Conversion Fee1.0% of the amount of multi-currency transactions; 0.8% of the amount of single-currency transactions


Apply in Person
Apply in person when you visit any Blackhawk Bank & Trust branch.

Request an Application
Call our Bankcard Services Department at (309) 787-9528 to request an application to be mailed to you.

Send us an Email
Feel free to contact us at
For your protection do not include your access ID, password, Social Security Number, Personal Identification Number (PIN) or other confidential information in emails to Blackhawk Bank & Trust. If you’d like to message us securely, click here.

Lost or Stolen Credit Card
If your card has been lost or stolen, please contact us immediately during business hours at (309) 787-9528 or after regular business hours, call the toll free number at (800) 325-3678.