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Earn point multipliers for eligible travel booked in the Commercial Rewards Card platform","recordId":"official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f","recordFields":[],"fieldKey":"withheld:card_reward:points-gift-cards-travel"}]},{"observationKind":"card_reward","fieldKey":"rebate-qualification","reason":"unparsed_value","detail":"Rebates may be earned faster with lower spending requirements; no threshold or value is inferred.","sources":[{"snapshotId":"35674","sourceKind":"official_issuer","publisherName":"Midland States Bank","capturedAt":"2026-10-03T23:13:59.367Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midlandsb.com/commercial/banking/business-credit-cards","passageId":"223cb3428be24530646b7a5069b54f59","pageNumber":null,"quote":"Earn rebates faster with lower spending requirements","recordId":"official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f","recordFields":[],"fieldKey":"withheld:card_reward:rebate-qualification"}]},{"observationKind":"card_offer","fieldKey":"no-personal-liability","reason":"unparsed_value","detail":"The source states increased spending power with no personal liability; full liability terms remain undisclosed.","sources":[{"snapshotId":"35674","sourceKind":"official_issuer","publisherName":"Midland States Bank","capturedAt":"2026-10-03T23:13:59.367Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midlandsb.com/commercial/banking/business-credit-cards","passageId":"d1630143f4c1a8898dc65372c6f31265","pageNumber":null,"quote":"Increased spending power with no personal liability","recordId":"official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f","recordFields":[],"fieldKey":"withheld:card_offer:no-personal-liability"}]},{"observationKind":"card_offer","fieldKey":"business-integrations","reason":"unparsed_value","detail":"The source names QuickBooks Online, Xero, NetSuite and more as integrations; scope is not expanded.","sources":[{"snapshotId":"35674","sourceKind":"official_issuer","publisherName":"Midland States Bank","capturedAt":"2026-10-03T23:13:59.367Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midlandsb.com/commercial/banking/business-credit-cards","passageId":"633c2e160034f467a2dd50281c1716f8","pageNumber":null,"quote":"API integrations with QuickBooks Online, Xero, NetSuite, and more","recordId":"official-issuer:page:url:ee102ed6197058f5d43bc2b4edac3206ebe52b8316d6e07efd697ddc1340715f","recordFields":[],"fieldKey":"withheld:card_offer:business-integrations"}]},{"observationKind":"card_reward","fieldKey":"reward-terms","reason":"unparsed_value","detail":"The source scopes this complete program-change notice to the points program; retain all wording.","sources":[{"snapshotId":"35674","sourceKind":"official_issuer","publisherName":"Midland States Bank","capturedAt":"2026-10-03T23:13:59.367Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midlandsb.com/commercial/banking/business-credit-cards","passageId":"1006b9cd40e23b1c7d296bee995a5384","pageNumber":null,"quote":"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. 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Keep this as quoted source evidence until an approved legal-issuer registry identity is independently established.","sources":[{"snapshotId":"35674","sourceKind":"official_issuer","publisherName":"Midland States Bank","capturedAt":"2026-10-03T23:13:59.367Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midlandsb.com/commercial/banking/business-credit-cards","passageId":"999a0cca5418055eb928302b4837ad59","pageNumber":null,"quote":"The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. 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