Business Credit Cards

Give your business spending power with a Kalsee credit card—featuring competitive rates, flexible purchasing, and tools to help you manage expenses with ease. Whether you're just starting out or scaling up, we've got options to fit your goals.

Empower Your Business with the Right Credit Card

Running a business takes vision, hustle—and the right financial tools. Kalsee’s business credit cards are designed to help you manage expenses, build credit, and unlock rewards that work as hard as you do. Whether you're stocking up on supplies, covering travel costs, or preparing for growth, our credit card options offer flexibility, control, and competitive rates to support your business at every stage.

Business credit card
1.5% Cash Back Visa Business Signature®

15.50%
as low as APR1

Life’s complicated. Your cash back doesn’t have to be. No categories to keep track of, no minimums or maximums.

  • 1.5% cash back on all purchases in a monthly statement credit or deposit to checking or savings, with no limit

  • Credit limits from $5,000 to $50,000

  • Detailed monthly statements

  • Visa Signature Business benefits3, like Roadside Dispatch, Auto Rental Collision Damage Waiver, Travel Emergency Assistance Services, Lost Luggage Reimbursement, Travel Accident Insurance, Purchase Security / Extended Protection, Liability Waiver, Visa Concierge, and Visa Luxury Hotel Collection
Business credit card
Low Rate Visa Business

12.50%
as low as APR1

Every dollar counts. Save with our lowest rate. A simple card with the best value for your balance.

  • Low variable rate

  • Credit limits from $500 to $50,000

  • Detailed monthly statements

  • Visa Business benefits3, like Roadside Dispatch, Auto Rental Collision Damage Waiver, Travel Emergency Assistance Services, Purchase Security / Extended Protection, and Liability Waiver

































































































































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Mike Nowaczynski, Kalsee Commercial Lending Manager

Mike Nowaczynski

Commercial Lending Manager
(269) 382-7833

Mike has over 10 years of member service industry experience. Growing up in Michigan, Mike was born and raised in Detroit and graduated from Michigan State University.  He has family roots in Costa Rica where he loves to take his two kids and prioritizes spending time with his family. Mike grew up in a blue-collar working home where his parents’ hard work and dedication impacted the value he places on business and business-ownership. With five years of experience in banking, Mike is passionate about using his knowledge and experience to help all business owners achieve their goals and dreams. “As we say in Costa Rica, 'Pura Vida.' I look for any way that I can help and support my community and business owners to be successful,” says Mike.

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FAQs

Your Interest rate will change monthly based on an index, the Prime Rate per the Wall Street Journal. Your current rate will show on your monthly statement.
Your minimum payment is calculated as 2.0% of your outstanding balance.



If our proactive fraud protection services detect a transaction on your card that doesn't match your usual spending patterns, the transaction will be likely be declined. An immediate attempt to contact you via phone or text will be made to confirm whether the transaction was authorized. If you confirm the transaction was authorized, service on your card will be immediately restored. If the transaction is fraudulent, action will be taken to protect your account and provide you with a new, uncompromised card number.
Your cash back will automatically post each month as a statement credit to your credit card account or (if you select when you open your account or by contacting us) to your Kalsee checking or savings.
Call (866) 550-1671.
Call (866) 985-2273 from the phone associated with your account to activate your card or to change or set your card PIN.
























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1 APR = Annual Percentage Rate. Rates subject to change. Some restrictions may apply. Approval subject to credit union requirements and underwriting guidelines. Click for full Credit Card Agreement and Disclosures.

2 Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

3 Visa Signature benefits are subject to change. See the Visa Business website for details or our guide to Visa business benefits.

The legal age to apply for and obtain credit is 18 years of age.