Midland States BankVisa Commercial Rewards CardRegistry illustration · issuer artwork unavailable

Visa Commercial Rewards CardMidland States Bank · SM bank, IL · FDIC 1040

CurrentLast observed Oct 3, 2026Source date Oct 3, 2026Official issuerCredit card · Business · Visa

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

Not disclosed

Foreign fee

—

Grace period

Not disclosed

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	Not disclosed	no source read
Annual fee	Not disclosedMidland States Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026	no source read	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“For established companies with up to $150 million in annual revenue:”
Additional source detail; structured values remain unknown. For established companies with up to $150 million in annual revenue:
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Choose your rewards - points or rebates:”
Additional source detail; structured values remain unknown. The option offers points or rebates; their numeric values remain undisclosed.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Earn points³ and redeem them for gift cards. Earn point multipliers for eligible travel booked in the Commercial Rewards Card platform”
Additional source detail; structured values remain unknown. Points may be redeemed for gift cards and earn multipliers for eligible travel booked in the named platform; no numeric multiplier is inferred.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Earn rebates faster with lower spending requirements”
Additional source detail; structured values remain unknown. Rebates may be earned faster with lower spending requirements; no threshold or value is inferred.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Increased spending power with no personal liability”
Additional source detail; structured values remain unknown. The source states increased spending power with no personal liability; full liability terms remain undisclosed.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“API integrations with QuickBooks Online, Xero, NetSuite, and more”
Additional source detail; structured values remain unknown. The source names QuickBooks Online, Xero, NetSuite and more as integrations; scope is not expanded.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“³ Elan Financial Services reserves the right to alter, change or terminate the Points Program upon 90 days advance notice provided through the online portal. Please see the program terms and conditions for full details.”
Additional source detail; structured values remain unknown. The source scopes this complete program-change notice to the points program; retain all wording.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.”
Additional source detail; structured values remain unknown. The page names Elan Financial Services as creditor and issuer under a Visa license. Keep this as quoted source evidence until an approved legal-issuer registry identity is independently established.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Commercial Rewards Card”
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Visa”
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History

dates on sources or when they were captured

Oct 3, 2026: Annual fee, Balance transfer terms, Card terms

Offered through: Midland States Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 1040
Branches: 60 in IL, MO
Sources: Official issuer · 0 documents · 0 pages cited

Documents

No republished document is bound to this product. See the sources above for the evidence behind these terms.

Visa Commercial Rewards CardMidland States Bank · SM bank, IL · FDIC 1040

Rates and fees