FirstBank & Trust

Small Business Credit Card

  • 0% APR for 12 billing cycles on purchases and balance transfers
  • No Annual Fee
  • Spending controls (e.g. restrict to fuel only purchases)
  • Online Card Management with
  • Fraud protection
  • Consolidated or Individual Pay billing options
  • Auto rental collision damage waiver
  • Travel and emergency assistance services


Access your business credit card account information easily and securely online at no cost to you. At, you may securely view your card account summary, including the balance, credit line, payment due and more.

This tool allows you to view current and historical transaction activity, enroll in eStatements and view up 24 months online, make payments, indicate card disputes, and receive alerts on balance transaction and payment events.

Go to Your Card Management Portal


Commercial Card Payment Solutions

Employee Card Spend

A convenient and secure way to pay for business expenses. Cards can be set with customized limits to restrict where the card is utilized. Complimentary expense reporting solution is offered that allows cardholders to code their expenses and upload receipts through mobile application. Online program management with real-time updates allows companies to change credit limits, close cards and monitor transactions.


Purchasing Spend

A simple way for an organization to provide Accounts Payable or Department Heads with a convenient tool to purchase goods and services. The traditional purchasing card has a fixed credit limit and can be either a physical plastic card or a virtual account.


Virtual Card account Electronic Accounts payable

An electronic card generally used to keep card information on file with a vendor to charge one time or recurring expenses. Virtual Cards can be set up with a general department name or specific vendor name.


Electronic Accounts payable

Virtual accounts used to pay for goods and services after an invoice has been received. Single-use accounts are provided electronically to pay your vendors with a dynamic credit limit to only allow for the authorized amount to be taken by the vendor. EAP integrates with a simple payment file from your Accounting System and allows you to keep all the same internal controls but shift the payment from costly checks to electronic card account.


Credit Cards are issued and serviced by New Mexico Bank & Trust d/b/a HTLF Card Services.

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