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Business Credit Cards

Powering business growth

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FAQ

Cards built for business.

At Westmark, we keep it simple: one low-rate option for flexibility and one rewards option for businesses that pay balances regularly — so you can choose the card that fits your priorities and keeps your business moving forward.

Already have a Westmark business credit card? Nothing changes immediately. As we roll out the new card suite, eligible accounts will transition seamlessly. Rates, balances, and limits will be honored unless otherwise disclosed. No new plastic will be issued for launch.
Two clear choices – A low-rate card for flexibility, and a rewards card for cash back.
No annual fee – Keep more of your money working for your business.
Balance transfer support – Obsidian includes a promotional 0% balance transfer offer (up to 12 months).
Relationship-based rewards – Earn up to 2% cash back with Obsidian Elite based on your relationship tier.
Built for business needs – Great for expenses, inventory, equipment, and day-to-day operating costs.
24/7 fraud protection – Zero liability coverage and real-time fraud monitoring to keep your business secure.

Choose Your Business Credit Card

Start with what matters most right now: saving money or earning rewards.

Obsidian Business Credit Card

Obsidian

Low rate for flexibility

  • Best for saving money when you may carry a balance
  • Competitive low interest rate (see rate sheet)
  • 0% balance transfers available for up to 12 months
  • No annual fee
  • Contactless tap-to-pay and mobile wallet compatible
  • 24/7 fraud monitoring and zero liability protection
  • Great for equipment, inventory, and operating expenses

Ideal for: growth phases, larger purchases, or when flexibility matters most.

Talk to a Business Specialist
Obsidian Elite Business Credit Card

Obsidian Elite

Rewards for everyday spending

  • Best for earning rewards when you pay balances regularly
  • Up to 2% cash back based on your relationship tier
    • Relationship tiers: 1% (Horizon), 1.5% (Summit), 2% (Pinnacle) -->
  • No annual fee
  • Contactless tap-to-pay and mobile wallet compatible
  • 24/7 fraud monitoring and zero liability protection
  • Earn more as you deepen your relationship with Westmark

Ideal for: stable spending, regular monthly payoff, and businesses that want cash back.

Talk to a Business Specialist

Cash back on Obsidian Elite is relationship-based. Rates and terms vary—see the rate sheet for current rates.

Business Credit Card Comparison

Compare Obsidian and Obsidian Elite side-by-side.

Obsidian

Low Rate
Obsidian Elite

Rewards
Best For Businesses focused on saving money and flexibility Businesses focused on earning cash back and rewards
Primary Benefit Competitive low interest rate Up to 2% cash back (relationship-based)
Annual Fee None None
Balance Transfer Offer 0% up to 12 months —
Rewards — 1% / 1.5% / 2% tiers
Contactless Pay
Mobile Wallet
Fraud Protection
Rates See rates See rates

Business Credit Card FAQs

Common questions about Obsidian and Obsidian Elite.

Start with one question: What’s more important right now—saving money or earning rewards? If you may carry a balance or want flexibility, Obsidian is typically the best fit. If you pay balances regularly and want cash back, Obsidian Elite is typically the better option.

Obsidian Elite offers relationship-based cash back:
  • Horizon: 1% cash back
  • Summit: 1.5% cash back
  • Pinnacle: 2% cash back
Your tier is based on your overall relationship with Westmark (products and services you use).

No new plastic will be issued for launch. You can continue using your existing card until it expires, unless otherwise communicated.

Nothing changes immediately. Eligible cards will transition to the most comparable new product as the new suite rolls out. Rates, balances, and limits will be honored unless otherwise disclosed.

Not at this time, but we are working quickly to develop an authorized user process.

No, both Obsidian and Obsidian Elite business credit cards have no annual fee.

Yes! Both business credit cards are compatible with mobile wallets including Apple Pay, Google Pay, and Samsung Pay. You can also use contactless tap-to-pay at any compatible terminal.

Both cards include 24/7 fraud monitoring and zero liability protection. You won't be held responsible for unauthorized transactions. If you notice suspicious activity, contact us immediately at 1-800-574-5626.

Visit any Westmark branch or contact us to talk through your options. Our team will help you determine which card—Obsidian or Obsidian Elite—is the best fit for your business needs.