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A Rewards Card with Great Value

Small and large businesses alike can get a powerful tool for business expenses and earn cash back.


Turn business expenses into cash back

Manage your business expenses while enjoying the perks of MIDFLORIDA's Business Visa Signature credit card. Earn 1.5% cash back.1  Business Visa Signature account owners may redeem all or a portion of all available earned cash back rewards as a statement credit at any time.  

Easily manage business expenses
1.5% cash back on purchases
Unlimited authorized users

To apply for a Business Visa Signature, visit any branch or contact a Business Banker to schedule an appointment.


Your Business Visa Signature Benefits

Terms of Service

Rates, costs and fees for the Business Visa Signature Card.3
Annual Percentage Rate (APR) for Purchases and Cash Advances 14.99%-18.00% 
Your APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies 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
Fees to Open or Maintain Your Account 
Annual Fee $75
Transaction Fees
Balance Transfer N/A
Cash Advance $20.00 or 2% of the amount of each cash advance, whichever is greater.
Foreign Transaction 1.0% of each transaction in U.S. dollars if the transaction involves a currency conversion; 1.0%  of each transaction in U.S. dollars if the transaction does not involve a currency conversion
Penalty Fees
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.

How we will calculate your balance

We use a method called “average daily balance (including new purchases)."

Prime Rate

We use the highest Prime Rate listed in The Wall Street Journal on the last business day of each month.

Credit Card Disclosure Request

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.

Report a lost or stolen Credit Card

To report a lost or stolen Credit Card, please call (866) 820-3935 available 24 hours a day, 7 days a week.

Business Visa Signature Terms and Conditions

Notices & Disclosures
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.
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.
Please see the disclosure that is given to you. The information about costs of the card is accurate as of January 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.