BUSINESS CREDIT CARDS
Small Business Credit Cards
Powering Small Business, One Swipe at a Time. Choose the Edge card for a lower rate or the Summit card for rewards — both with no annual fee and 0% intro APR* for 12 months.
Small Business Card
| DECISION BASICS | |
| Cards |
Edge & Summit
|
| Annual Fee | None |
| Intro APR |
0% for 12 months*
|
| Employee Cards |
No additional cost
|
Choose Your Card
Compare Rewards by Spending Style
Rewards Card
Edge — Lower Rate
Welcome bonus of $100 when you spend $1,000 on your Edge credit card in the first 90 days.
- Competitive rates
- No annual fee
- 0% APR* on purchases for the first 12 months after account opening
- $100 welcome bonus when you spend $1,000 in the first 90 days
Rewards Card
Summit — Rewards
Welcome bonus of 30,000 points when you spend $3,000 on your Summit credit card in the first 90 days.
- Competitive rates
- No annual fee
- 0% APR* on purchases for the first 12 months after account opening
- 30,000-point welcome bonus when you spend $3,000 in the first 90 days
Rewards Structure
Earn More Where It Matters
Summit rewards your everyday business spending with bonus points in key categories.
4x
Restaurants
Full-service & fast food
2x
Gas, Utilities & Groceries
Everyday essentials
1x
All Other Purchases
Unlimited earning
Streaming Bonus
Get a $25 statement credit when you sign up for a qualifying streaming service. Terms apply.
How It Works
How Small Business Credit Cards Work
1
Compare the Edge and Summit cards and choose the one that fits how you spend
2
Request info and apply with a BRB banker
3
Start earning rewards and manage cards online
Ways to Use It
A Card for How Your Business Actually Spends
Whether you're earning rewards, issuing cards to your team, or managing spend in one place, there's a fit.
Earn on Everyday Business Spend
Put gas, dining, travel, and utilities on a rewards card and let the spending you already do work for your business.
Issue Cards to Your Team
Give employees cards under one program with controls — additional cards available at no extra cost.
Manage It All Online
View statements, make payments, set alerts, and track rewards online.
Why a BRB Business Card?
Security, Rewards, Local Service
Mastercard® for Business
Accepted worldwide, BRB small business Mastercard® cards give your business purchasing power wherever you operate.
0% Intro APR*
No interest on purchases for the first 12 months. After that, a competitive variable APR based on creditworthiness.
Fraud Protection
24/7 fraud monitoring, fraud alerts, ID theft protection, and zero fraud liability on unauthorized purchases.
Employee Cards
Issue additional cards for employees at no additional cost, with corporate or individual statement billing.
Access Your Rewards
Log in to view your points balance, redeem for cash back, gift cards, or merchandise.
Enhanced Security
Enjoy enhanced purchasing protection with 24/7 fraud monitoring, fraud alerts, and zero fraud liability on unauthorized purchases.
Overview of Benefits
Your Blue Ridge Bank credit card provides convenience and opportunities to enjoy travel perks, earn rewards, and receive cash back, all while enhancing your credit history. We encourage you to make the most of the fantastic benefits available with your BRB credit card.
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT SMALL BUSINESS CREDIT CARDS DOES BLUE RIDGE BANK OFFER?
BRB offers two small business Mastercard® options: the Edge card for a lower rate with a $100 welcome bonus, and the Summit card for rewards with a 30,000-point welcome bonus. Both carry no annual fee and 0% intro APR for 12 months.
HOW DO I APPLY FOR A BRB SMALL BUSINESS CREDIT CARD?
Request info or talk to a BRB commercial banker. All credit decisions are made locally by bankers who understand your business.
DO BRB SMALL BUSINESS CREDIT CARDS HAVE AN ANNUAL FEE?
No. Both the Edge and Summit small business cards carry no annual fee.
CAN I ISSUE CARDS TO EMPLOYEES?
Yes. Additional employee cards are available at no additional cost, with corporate or individual statement billing.
CAN I MANAGE MY BUSINESS CARD ONLINE?
Yes. Your card is accessible through online banking — view statements, make payments, set alerts, and track rewards.
{endAccordions}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT SMALL BUSINESS CREDIT CARDS DOES BLUE RIDGE BANK OFFER?
BRB offers two small business Mastercard® options: the Edge card for a lower rate with a $100 welcome bonus, and the Summit card for rewards with a 30,000-point welcome bonus. Both carry no annual fee and 0% intro APR for 12 months.
HOW DO I APPLY FOR A BRB SMALL BUSINESS CREDIT CARD?
Request info or talk to a BRB commercial banker. All credit decisions are made locally by bankers who understand your business.
DO BRB SMALL BUSINESS CREDIT CARDS HAVE AN ANNUAL FEE?
No. Both the Edge and Summit small business cards carry no annual fee.
CAN I ISSUE CARDS TO EMPLOYEES?
Yes. Additional employee cards are available at no additional cost, with corporate or individual statement billing.
CAN I MANAGE MY BUSINESS CARD ONLINE?
Yes. Your card is accessible through online banking — view statements, make payments, set alerts, and track rewards.
{endAccordions}
Disclosures
Small Business Card Rates, Fees & Disclosures
Intro APR* for Edge Business
0% Introductory APR* on all purchases for 12 months. After that, the Purchase Rate APR will range from 18.99% to 25.99% based on your creditworthiness.
Intro APR* for Summit Business
0% Introductory APR* on all purchases for 12 months. After that, the Purchase Rate APR will range from 20.99% to 29.99% based on your creditworthiness.
Rewards Terms for Summit Business
- Who is eligible to participate in this Program – Accounts must be open and in good standing (not canceled or terminated by party; not delinquent, over limit, or otherwise not available to use for charges) at time of redemption. Awards are not available when a card holder is in default under the card agreement. To participate in this program, your account must have an open status and be available for you to use to make Purchases. Blue Ridge Bank reserves the right to determine in our sole discretion whether a particular cardholder is eligible to participate in the program.
- Automatic enrollment in this program – Your account will be automatically enrolled in the Program within 5 business days after we open your Account.
- How to earn Rewards – After we enroll your account in the Program, you will earn points for purchases. Every dollar(s) in qualifying purchases in this Rewards Program ("Program") earns Participant Point(s) ("Point") as provided for in these Rules. No points are earned for finance charges, fees, cash advances, convenience checks, foreign transaction currency charges, or insurance charges posted to their account. Points for this Program begin to accumulate with purchases Participant makes beginning on the first day of the billing cycle in which their Program begins and ending on the last day of the last billing cycle of the announced duration of their Program. Points earned from net purchases and point adjustments made between billing statement cycles will be deemed as earned after being posted to Participant's next monthly statement.
- Cash Back - The points earned for a purchase is calculated by multiplying a purchase by the applicable points multiplier as detailed below. - 4x points – You will earn 4 points per $1 spent on qualifying purchases at merchants with the Merchant Category Codes for full services restaurants, cafes, cafeterias, and fast-food restaurants. - 2x points – You will earn 2 points per $1 spent on qualifying purchases at merchants with the Merchant Category Codes for gas stations (in-store and at the pump), utilities, and groceries. - 1x points – You will earn 1 point per $1 spent on all other qualifying purchases. Points can be redeemed for cash back, gift cards or merchandise.
- Redeeming your Rewards - Points can be used to order the awards described in the current brochure or the program website, which may be updated from time to time. Point requirements assigned to any award are subject to change from time to time without notice, and awards may be discontinued or substituted at any time. Cash rewards are redeemed in $25 increments. 2500 points = $25. Cash may be applied as a credit or transferred to a checking or savings account via the rewards website.
- Any earned welcome bonus will be fulfilled as points and the points can be redeemed for cash back or other items described on the current program website.
- Limits on redeeming your Rewards: Points will be deducted from the total points available for redemptions and for any returns or credits associated with the account. Points deducted for credits to an account will be at the same rate at which the original charges earned those points.
- Disclaimers and limitations – This program is subject to change and may end at any time. Blue Ridge Bank is not responsible for any disputes between or involving cardholders relating to Rewards, or redemption of Rewards. You hereby release and hold us and all parties associated with the Program harmless from any claim, liability or damage relating to the Program.
- Privacy - All information collected about you in connection with the Program is subject to our privacy policy, which can be found at mybrb.bank/privacy-policy.
Guide to Benefits & Disclosures
Review the full Mastercard Guide to Benefits for complete terms, conditions, and exclusions that apply to your card benefits.
Kasasa Cash CalculatorDisclaimer
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
CD CalculatorDisclaimer
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
Simple Loan CalculatorDisclaimer
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Certificates of Deposit Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Business Money Market Rates
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.50% | 1.53% |
| $100,000 – $249,999.99 | 2.00% | 2.03% |
| $250,000 – $499,999.99 | 2.20% | 2.23% |
| $500,000 – $999,999.99 | 2.55% | 2.58% |
| $1,000,000 – $2,999,999.99 | 2.74% | 2.78% |
| $3,000,000 – $4,999,999.99 | 2.94% | 2.98% |
| $5,000,000 and Greater | 3.18% | 3.23% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Savings Rates
| Balance | Rate | APY* |
|---|---|---|
| $500.00 | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business with Interest Rates
| Balance | Rate | APY* |
|---|---|---|
| $3,000.00 | 0.10% | 0.10% |
*APY accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Certificate of Deposit Specials Rates
| Term | Rate | APY* | Min. Balance |
|---|---|---|---|
| 5 Months | 3.71% | 3.75% | $1,000 |
| 10 Months | 3.94% | 4.00% | $1,000 |
| 15 Months | 3.94% | 4.00% | $1,000 |
| 23 Months | 3.99% | 4.05% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Charitable Checking Rates
| Product | Interest Rate | APY* |
|---|---|---|
| Charitable Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Consumer Certificates of Deposit Rates
| Term | Interest Rate | APY** | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 17 Months | 1.89% | 1.90% | $1,000 |
| 18 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
First Honor Checking Rates
| Product | Rate | APY* |
|---|---|---|
| First Honor Checking | 1.50% | 1.51% |
*Annual Percentage Yield (APY) for First Honor Checking is 1.51%. APY accurate and effective as of 10/15/26. Rates may change after account is opened. Fees may reduce earnings. Minimum balance to open account is $50.00. A $10 service fee applies if the account balance falls below the minimum balance requirement of $1,000.
Golden Advantage Certificate of Deposit & Specials Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 12 Months | 3.99% | 4.05% | $1,000 |
| 30 Months | 4.04% | 4.10% | $1,000 |
| 36 Months | 1.39% | 1.40% | $1,000 |
| 48 Months | 1.44% | 1.45% | $1,000 |
| 60 Months | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Golden Advantage members (age 55+) receive a rate bonus over standard CD specials. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Money Market
| Balance | Rate | APY* |
|---|---|---|
| $2,500.00 and Greater | 2.83% | 2.88% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026 This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Golden Advantage Plus Checking Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $49,999.99 | 0.05% | 0.05% |
| $50,000.00 and Greater | 0.08% | 0.08% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Health Savings Rates
| Product | Rate | APY‡ |
|---|---|---|
| Health Savings Account | 0.15% | 0.15% |
‡Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash® Rates
| Balance | Min. Deposit to Open | Rate | APY* |
|---|---|---|---|
| $0.01 – $15,000.99 | $100 | 4.41% | 4.50% |
| $15,001.00 and Greater | n/a | 0.05% | 0.05% |
| All balances if qualifications not met | n/a | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: domestic ATM fees are reimbursed up to $20; balances up to $15,000.99 receive 4.50% APY; balances over $15,001.00 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle. Fees may reduce earnings.
Kasasa Saver® Rates
| Balance | Min. Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0.01 – $100,000.99 | $100.00 | 2.96% | 3.00% |
| $100,001 and Greater | $100.00 | 0.05% | 0.05% |
| All balances if qualifications not met | $100.00 | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If Kasasa Cash qualifications are met each monthly cycle, Kasasa Saver balances up to $100,000.99 receive 3.00% APY; balances over $100,001 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings.
Money Market Tiered Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.25% | 0.25% |
| $2,500 – $9,999.99 | 0.50% | 0.50% |
| $10,000 – $24,999.99 | 0.75% | 0.75% |
| $25,000.00 – $49,999.99 | 1.00% | 1.00% |
| $50,000.00 – $99,999.99 | 1.25% | 1.25% |
| $100,000.00 – $249,999.99 | 2.395% | 2.43% |
| $250,000.00 – $999,999.99 | 2.49% | 2.53% |
| $1,000,000 and Greater | 2.49% | 2.53% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Municipal Money Market
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.36% | 1.38% |
| $100,000.00 – $249,999.99 | 1.85% | 1.88% |
| $250,000.00 – $499,999.99 | 2.05% | 2.08% |
| $500,000.00 – $999,999.99 | 2.40% | 2.43% |
| $1,000,000.00 – $2,999,999.99 | 2.59% | 2.63% |
| $3,000,000.00 – $4,999,999.99 | 2.78% | 2.83% |
| $5,000,000.00 and Greater | 3.03% | 3.08% |
**Municipal Money Market: Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Personal Savings Rates
| Product | Rate | APY* |
|---|---|---|
| Personal Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Youth Savings Rates
| Product | Rate | APY** |
|---|---|---|
| Youth Savings | 0.10% | 0.10% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.