Member Login
- Online Banking
- Premier Treasury Online
*Username
Forgot Username*Password
Forgot PasswordNot Enrolled Yet?
Set up Online AccessNeed to complete an application?
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.
Get Started
Preferred Mastercard
a rewards card with great value
Small and large businesses alike can get a powerful tool for business expenses and earn cash back with MIDFLORIDA's Preferred Mastercard BusinessCard.
Get Started Online
Contact a Business Banker 
AT A GLANCE
Turn Business Expenses into Rewards
Running a business comes with daily expenses—why not turn them into rewards? With MIDFLORIDA’s Preferred Mastercard 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 Preferred Mastercard.
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
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
Stay in control of your business spending with convenient card management tools. Use Online Banking or the mobile app to turn your card on or off whenever needed for added security and peace of mind.
Perks
Premium Benefits for Every Business
Our business credit cards include specialized benefits designed to protect your business and provide strategic support.
Preferred Mastercard BusinessCard 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 (800) 275-4229 available 24 hours a day, 7 days a week.
The Automatic Billing 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 service to keep your card from automatically updating.
Other Products & Services
Explore More Banking Options
Here are related products you might find valuable.
Terms of Service
Rates, costs and fees for the Preferred Mastercard BusinessCard.2
Terms and Conditions
|
Annual Percentage Rate (APR) for Purchases and Cash Advances |
11.74%-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. 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. No fee if completed through MIDFLORIDA's online banking or within 30 days of account opening. |
| 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 | Preferred Mastercard BusinessCard Terms and Conditions |
1. Cardholders will earn 1.5% cash back on net qualified purchases (purchases minus returns/credits) made on the credit card account. Qualified purchases do not include: balance transfers, cash advances (including convenience checks), ATM cash disbursements, money transfers, gaming transactions, tax payments, finance charges, or fees. The maximum cash back rewards per billing cycle are limited to $500. Cash back rewards may be redeemed as a statement credit and may be canceled or changed at any time. Additional terms and limitations apply.
2. Please see the disclosure that is given to you. The information about costs of the card is accurate as of May 1, 2026 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. Please see the disclosure that is given to you. The information about costs of the card is accurate as of May 1, 2026 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.
*Business Guide to Benefits for MIDFLORIDA Mastercard® Cardholders. To view all Mastercard business offers, visit www.mastercard.us/businessoffers. Certain restrictions apply. Benefits are provided by Mastercard and are subject to terms and conditions. MIDFLORIDA is not responsible for changes made by Mastercard.
