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Business Credit Cards
GSB’s Business Credit Cards are designed to help small businesses manage cash flow and simplify expenses. Whether you want to earn cash back, lower your rate or increase your spending power, a Business Credit Card from GSB is an indispensable tool for your day-to-day operations—backed by your local banking partner.
Business Platinum Low Rate Mastercard®
Our lowest variable APR card is a great choice for active users that typically carry a balance or want to save money by transferring higher-interest balances.
- Modest $99 annual fee*
- No balance transfer fee for the first six months*; after that, a 1% fee, or minimum of $10, applies to all balance transfers. Balance transfers are subject to available credit.
- Great way to consolidate debt to save on interest
Business Platinum Mastercard®
Our Business Platinum Mastercard® features no annual fee* and a low APR. It’s a good choice for business owners who want better control over their cash flow at a low cost.
- No annual fee*
- 0% intro APR the first six months of purchases; after that, a variable APR that is Prime +5.74% to Prime +13.74% applies, based on creditworthiness. The APR will not exceed 23.99%*
- 0% intro APR for the first 12 months on balance transfers made within the first 60 days of account opening*; after that, a variable APR that is Prime +5.74% to Prime +13.74% applies, based on creditworthiness. The APR will not exceed 23.99%.1
- Additional cards are available at no cost
Business Platinum Rewards Mastercard®
Enjoy all the benefits of our Business Platinum Card plus a rewarding, unlimited 1% cash back2 on every dollar you spend.
- No annual fee*
- Earn 1% cash back rewards on everyday business expenses2
- No limit to the cash back you can earn
- 0% intro APR for the first 12 months on balance transfers made within the first 60 days of account opening*; after that, a variable APR that is Prime +9.74% to Prime +15.74% applies, based on creditworthiness. The APR will not exceed 23.99%.1
- Redeem cash back for a statement credit or to your business account – no minimum required
Business World Elite Mastercard®
Business World Elite is a business-focused rewards2 card that offers your business cash back on travel, gas, and dining4.
- Modest $95 annual fee after the first year*
- Get $500 cash back with $5,000 spend on qualifying purchases in the first 90 days3
- Earn rewards for purchases – 3% cash back on travel and dining, 2% on gas and office supplies, 1% on everything else2,4
- No limit to the cash back you can earn
Standard Features – All Business Cards
- Quick decisioning plus local service from a bank you know and a team you trust.
- Contactless payment on supported devices via Apple Pay®, Samsung Pay® and Google Pay®.
- Spending alerts and controls — customize spending limits, add/close employee cards in real-time.
- Simplify finances with a consolidated company statement or individual statements to each cardholder.
- Travel assistance services for travel documents and medical referrals.
- User-friendly online and mobile experiences.
Compare Business Cards
| Card | Business Platinum Low Rate Mastercard® | Business Platinum Mastercard® | Business Platinum Rewards Mastercard® | Business World Elite Mastercard® |
| A smart option for: | Those who want the lowest rate option, typically carry a balance, or want to consolidate higher-APR cards. | Those who want a low rate option with no annual fee* . | Those who want unlimited cash back2 rewards and no annual fee*. | Those who want more competitive cash back rewards2 for travel, dining, and gasoline purchases4 |
| Introductory Offer: | No balance transfer fee for six months*; after that, a 1% fee, minimum of $10, applies to all balance transfers. Balance transfers subject to available credit. | 0% intro APR for the first six months of purchases; after that, a variable APR that is Prime +5.74% to Prime +13.74% applies, based on creditworthiness. The APR will not exceed 23.99%*.
0% intro APR for the first 12 months on balance transfers made within the first 60 days of account opening*; after that, a variable APR that is Prime +5.74% to Prime +13.74% applies, based on creditworthiness. The APR will not exceed 23.99%.1 |
0% intro APR for the first 12 months on balance transfers made within the first 60 days of account opening*; after that, a variable APR that is Prime +9.74% to Prime +15.74% applies, based on creditworthiness. The APR will not exceed 23.99%.1 | $500 cash back with $5,000 spend on qualifying purchases in the first 90 days3 |
| Annual Fee: | $99*
Accounts utilizing the consolidated billing option: The annual fee is charged to the primary account holder only. Accounts utilizing the individualized billing option: The annual fee is charged to each cardholder. *Terms & Conditions |
No Annual Fee* | No Annual Fee* | $95 (waived in the first year)*
Accounts utilizing the consolidated billing option: The annual fee is charged to the primary account holder only. Accounts utilizing the individualized billing option: The annual fee is charged to each cardholder. |
| APR: | Variable APR that is Prime +2.99% based on creditworthiness. The APR will not exceed 23.99%. | Variable APR that is Prime +5.74% – 13.74% based on creditworthiness. The APR will not exceed 23.99%. | Variable APR that is Prime +9.74% – 15.74% based on creditworthiness. The APR will not exceed 23.99%. | Variable APR that is Prime + 9.74% – 16.74% based on creditworthiness. The APR will not exceed 23.99%. |
| Rewards: | None | None | 1% cash back per $1 spent on all purchases (no limit)2
Accounts utilizing the consolidated billing option: The rewards are assigned to the primary account holder only. Accounts utilizing the individualized billing option: The rewards are assigned to each cardholder.2 |
3% cash back on travel and dining, 2% on gas and office supplies, 1% on everything else2,4
Accounts utilizing the consolidated billing option: The rewards are assigned to the primary account holder only. Accounts utilizing the individualized billing option: The rewards are assigned to each cardholder.2 |
| Additional Cards: | Available no cost | Available no cost | Available no cost | Available no cost |
| APPLY NOW *Terms & Conditions |
APPLY NOW *Terms & Conditions |
APPLY NOW *Terms & Conditions |
APPLY NOW *Terms & Conditions |
WE’RE HERE TO HELP
Need help deciding which card is right for you? Speak with our Cash Management team by calling (207) 221-8460 or complete this form and we’ll be in touch.
- All credit cards are subject to credit approval. Ask for details.
- Mastercard® is a registered trademark of Mastercard International Incorporated.
- Apple Pay® is a registered trademark of Apple, Inc. Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd. Google Pay® is a registered trademark of Google LLC.
- 1For Business Platinum and Business Platinum Rewards, a balance transfer fee of 3%, minimum of $10, applies to all balance transfers. Balance transfers subject to available credit.
- 2For details on Rewards Program, please visit gorhamsavings.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.
- 3Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on Rewards Program, please visit gorhamsavings.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.
- 4Similar merchant category codes are grouped into Purchase Categories that are used to calculate the stated rewards. Every effort is made to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide the merchant code that will fall within that Purchase Category. Because of this, it cannot be guaranteed that a purchase will qualify for more than the standard 1% cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back. If you do not meet the criteria for the Business World Elite card, you may be considered for the Business Platinum Rewards card.