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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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Business visa signature
a rewards card with great value
Small and large businesses alike can get a powerful tool for business expenses and earn cash back.
Contact Us 
AT A GLANCE
Turn Business Expenses into Rewards
Running a business comes with daily expenses—why not turn them into rewards? With MIDFLORIDA’s Business Visa Signature credit card, you can manage your business purchases while earning cash back on transactions. Enjoy the flexibility and convenience of a card designed to meet the demands of your business, with added perks that give back.
1.5% Cash Back Rewards¹
Maximize your spending by putting money back into your business with cash back rewards on your Business Visa Signature.
Simple Reward Redemption
Redeem your cash back rewards as a statement credit whenever it suits you- no waiting periods or minimum thresholds.
Unlimited Authorized Users
Easily manage business spending by adding unlimited authorized users at no extra cost.
features & Benefits
Helpful Account Options
Stay in control with features designed to make managing your business credit card easier.
Security features
Tools Designed for Security and Convenience
Add your card to a mobile wallet for quick access and toggle it on and off when not in use. Allowing you to stay in control of your business finances while ensuring protection at all times.
exclusive benefits
Visa Signature Extras
In addition to Travel Concierge, Visa Signature cardholders also have access to the following:
Trip Cancellation and Interruption Protection
When unforeseen circumstances happen and disrupt your travel plans, insurance benefits may be available to help.2
Learn More
Price Protection
Price Protection helps you save money on many products when you purchase them entirely with
your eligible Visa card.2
Learn More
your eligible Visa card.2
Cell Phone Protection
An enrolled Visa cardholder receives reimbursement for damage to or theft of an eligible cell phone.2
Learn More
Warranty Manager
Receive assistance with managing, using and extending warranties of eligible items purchased with your Visa Signature card.2
Learn More
Other Products & Services
Explore More Options
Here are related products you might find valuable.
| Annual Percentage Rate (APR) for Purchases and Cash Advances |
10.74%-18.00% Your APR will vary with the market based on the Prime Rate. |
Penalty APR and |
18.00% This APR may be applied to your account if your account becomes late 60 days or more However, if your standard rate is 18.00%, the Penalty APR will not apply. How Long Will the Penalty APR Apply? You must make 6 payments in a row on time to cancel the penalty rate and have your APR lowered to the rate in effect at the time the 6th on-time payment is made. |
| Paying Interest | Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. |
Minimum Interest Charge |
None |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore. |
| Annual Fee | $75 |
| Balance Transfer | N/A |
| Cash Advance Fee | $20.00 or 2% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction | 1% of each transaction in U.S. dollars if the transaction involves a currency conversion; 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion. |
| Late Payment | $10.00 or 5% of the unpaid portion of the past due amount for each billing period in which your minimum payment is not received by the due date. This fee may be added to your account balance or collected from you on demand. |
Over-the-Credit-Limit |
None |
Returned Payment |
Up to $25.00 if your payment is returned for any reason. |
| ADDITIONAL INFORMATION | Business Visa Signature Terms and Conditions |
Business Visa Signature FAQs
We use a method called "average daily balance (including new purchases)."
We use the highest Prime Rate listed in The Wall Street Journal on the last business day of each month.
To request a copy of your current credit card disclosure, which may be different than the disclosure on new accounts listed above, please contact the MIDFLORIDA Help Desk at (863) 688-3733 or toll free at (866) 913-3733 and allow 10 days for delivery.
To report a lost or stolen Credit Card, please call (866) 820-3935 available 24 hours a day, 7 days a week.
The Visa Account Updater service will automatically update old card numbers with merchants who keep your card on file, so payments can process without interruption or action from you.
You may opt out of the Visa Account Updater service to keep your card from automatically updating.
1
Cardholders will earn 1.5% cash back on net purchases (purchases minus returns/credits) made on the credit card account, which will be applied to the card account as a rebate on the statement. Cash back rebates apply only to card accounts in good standing. The maximum cash back rewards per billing cycle are limited to $500. Cash back rewards offer is subject to change at any time.
2 Applies when you use your Visa Signature credit card to pay for purchase, monthly service plan or travel. Travel and emergency assistance services apply to MIDFLORIDA Visa Signature cardholders.
3 Please see the disclosure that is given to you. The information about costs of the card is accurate as of September 1, 2024 and is subject to change after this date. Please contact us at Card Services Department, P.O. Box 8008, Lakeland, FL, 33802, for any changes in this information.
2 Applies when you use your Visa Signature credit card to pay for purchase, monthly service plan or travel. Travel and emergency assistance services apply to MIDFLORIDA Visa Signature cardholders.
3 Please see the disclosure that is given to you. The information about costs of the card is accurate as of September 1, 2024 and is subject to change after this date. Please contact us at Card Services Department, P.O. Box 8008, Lakeland, FL, 33802, for any changes in this information.
4 Membership and eligibility requirements apply.
