Visa Small Business Card FAQs

First, contact your company Admin to confirm who can register, and earn and redeem points.

To register, your zip code, last four digits of your company tax identification number (TIN) and email address must match the information we have on file for your account. Please make sure First Horizon has your current contact information. To update your information, contact us at 888-382-4968. Once we have all of your information securely in our system, please wait two business days before attempting to register again.

On each monthly billing cycle closing date, we will award one point to your Visa Small Business points account for each net dollar in new purchases at other merchants posted to your Visa Small Business card account during that monthly billing period. Once you accumulate enough points, you can redeem them for cash, merchandise, Apple products, airline tickets, car rentals, and hotels! Use your card for everyday purchases and watch your points add up!

Every time you use your Small Business Credit Card, you will receive one (1) point for every $1.00 in net purchases (purchases minus returns). Cash advances, convenience checks, balance transfers and debit transactions initiated by us do not earn points.

You can call our Premium Loyalty Program at 866-250-9703 or log in to your account at www.firsthorizonbusinessrewards.com

Yes. Points may be accumulated from month to month and year to year for five years. Unless redeemed, points will expire and be forfeited on the fifth anniversary of the last day of the calendar year in which awarded. For example, points awarded in January 2021, if not redeemed, will expire and be forfeited on December 31, 2026.

You do not have a maximum earn rate each year.

Yes, you may transfer your points to another account by logging into your account and clicking on the gifting points tab.

The business determines who can redeem points. Please contact your business Admin for clarification based on card setup.

When you redeem points for travel you can select coach, business or first class when booking your travel. The airline may be contacted for questions on upgrades or other changes to itinerary once tickets are booked.

You may contact the airline directly. You will receive contact numbers on your flight itinerary, which will be emailed to you after you redeem points for travel.

Your account must be open, active and not in default status according to the terms of your Cardholder Agreement. In order to earn or redeem points, the Enrolled Account must be in good standing. In order for the Enrolled Account to be in good standing, the Enrolled Account must be open and current, with the ability to make purchases. All determinations regarding your standing shall be made by us using our sole discretion. If your Enrolled Account has been coded delinquent by us, you will not be allowed to redeem points until the account is returned to good standing, although you may continue to earn points if the Enrolled Account is used. Points will be forfeited and enrollment terminated if any Enrolled Account is charged off.

(1) Cardholders are responsible for all change fees and penalties associated with ticket and other travel service modifications. (2) The travel agency will charge you fees (for which we will not reimburse you) for transactions that you conduct through the agency, whether or not you are redeeming points. (3) Cardholders are responsible for any ancillary charges assessed by airlines (such as baggage fees, upgrades and other services) car (drop-off fees) and hotel rentals (possible parking fees, etc.).