Sascu Business Credit Cards

Program Highlights

Three Sascu business credit cards, each optimized for a different spending profile. No annual fee for primary cardholders. Employee cards included at no cost.

Sascu Business Rewards

The Business Rewards card earns an unlimited 1.5 points on every dollar spent, regardless of category. No caps, no rotating quarterly categories to activate, no bonus ceilings that cap out mid-year. Points accumulate automatically and can be redeemed for statement credits against your Sascu business checking account, travel booked through the Sascu rewards portal, gift cards, or merchandise. This card best fits businesses that want a single rewards rate across all purchases without thinking about which card to pull for which expense. The flat-rate structure also simplifies internal accounting — every dollar spent on the card earns the same reward rate, so you can project annual rebate value directly from your spending forecast.

Sascu Business Cash Back

The Cash Back card earns 3 percent on office supplies, fuel, and telecommunications; 2 percent on dining and restaurants; and 1 percent on everything else. For businesses that run a physical office, maintain a fleet of vehicles, or carry a significant telecom expense — internet service, mobile plans, cloud subscriptions — the 3 percent tier captures a meaningful share of recurring overhead. Cash back posts as a statement credit each billing cycle, directly reducing the balance owed. There is no minimum redemption threshold and no expiration on cash back earned.

Sascu Business Travel

The Business Travel card earns 2 points per dollar on travel purchases — airlines, hotels, rental cars, transit, and ride shares — and dining, with 1 point on everything else. Travel protections include trip cancellation and interruption coverage, baggage delay reimbursement, and rental car collision damage waiver when the card is used to book the reservation. The card carries no foreign transaction fees, so international purchases convert at the network exchange rate without a surcharge. This card best fits businesses where owners or employees travel regularly — consulting firms, sales organizations, construction companies bidding projects across state lines.

Business Credit Card Comparison

Employee Cards and Spend Controls

Issuing company credit cards to employees typically creates two problems: overspending and expense report lag. Sascu addresses both through controls built into the Sascu online banking platform, not tacked on as a separate third-party service with a separate login and a separate fee.

Per-Card Spending Limits

The primary cardholder or account administrator sets a dollar limit for each employee card — daily, weekly, or monthly — and the limit enforces at the point of sale. If a card has a $500 weekly cap and the employee attempts a $600 purchase, the transaction declines. The administrator receives an email alert within minutes. Limits can be raised or lowered instantly through Sascu online banking without calling customer service or waiting for a next-business-day processing window. This is particularly useful for businesses that issue cards for specific projects: set a project budget as the card limit, and when the project closes, reduce the limit to zero until the next assignment.

Merchant Category Restrictions

Beyond dollar limits, Sascu employee cards can be restricted by merchant category code. A delivery driver's card can be limited to fuel stations, automotive repair shops, and fast-food restaurants. An office manager's card can be unrestricted. A contractor's card can allow hardware and building supply stores but block liquor stores and entertainment venues. Category restrictions apply at authorization — the card network checks the merchant category code against the allowed list before approving the charge — so the restriction is not merely flagged after the fact.

Expense Reporting and Integration

Every Sascu business credit card transaction posts to the Sascu online banking dashboard with the employee cardholder identified, the merchant name and category code, and the dollar amount. At month-end, export a categorized transaction file to QuickBooks, Xero, or CSV. The export preserves cardholder attribution so your accounting system automatically allocates expenses to the correct employee or department. For businesses that currently process expense reports manually — collecting receipts, entering line items, issuing reimbursement checks — the Sascu employee card approach eliminates the entire reimbursement workflow. Employees charge directly to the card within their limits, and accounting pulls a single data feed instead of processing a stack of paper.

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