Midland States BankVisa One CardRegistry illustration · issuer artwork unavailable

Visa One 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 businesses with annual spend of $1 million and above:”
Additional source detail; structured values remain unknown. For businesses with annual spend of $1 million and above:
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Protection from employee misuse through the Visa Liability Waiver Protection Program (restrictions apply)”
Additional source detail; structured values remain unknown. Visa Liability Waiver Protection is stated with source restrictions; no restriction detail is inferred.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Automatic travel accident insurance and emergency travel services”
Additional source detail; structured values remain unknown. Travel accident insurance and emergency travel services are stated without their complete guide terms.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Easy integration with accounting and financial systems”
Additional source detail; structured values remain unknown. Accounting and financial-system integration is stated without supported-system scope.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“24/7 customer service”
Additional source detail; structured values remain unknown. 24/7 customer service is stated without a product-specific contact route.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Corporate Billing with flexibility for Individual Billing, all under the protection of corporate liability”
Additional source detail; structured values remain unknown. Corporate and individual billing options are stated; no billing election or liability detail is inferred.
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Extend the value of your One Card program with Virtual Pay, which automates the payment process and increases visibility to more payables activities across your organization”
Additional source detail; structured values remain unknown. Virtual Pay is stated as a payables-management extension, not as an application or reward.
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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
“One Card”
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Midland States Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f
“Visa”
Read exact source ↗

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 One CardMidland States Bank · SM bank, IL · FDIC 1040

Rates and fees