Bank of Utah Pinnacle Business Card
Simplify business spending with integrated expense management tools designed to help your business operate at its pinnacle. Work with an established community bank that understands business and blends long-term strength with today’s technology.
Want to talk through your business needs? Connect with a Bank of Utah business banker here.
Great Features Come Standard
Card Issuance & Program Management
Issue virtual cards instantly, request physical cards as needed and manage activation, status tracking and program settings from one centralized dashboard.
Card Controls & Spending Restrictions
Set spending limits and merchant restrictions by card, employee or department to maintain structure while keeping your teams moving.
Real-Time Transaction Oversight
View transactions as they post, route purchases through approval workflows and maintain a clear audit trail for ongoing visibility.
Reporting & Accounting Integrations
Access live dashboards, generate dynamic reports and sync transaction data with QuickBooks®, NetSuite®, Xero® or any custom-mapped system.
Cash Back Rewards
Earn cash back on qualifying purchases and apply it as a statement credit to help offset operating expenses and stretch your spending further.
Card Support & Bank Expertise
Connect with dedicated card program support through the platform, backed by a Bank of Utah team that understands your business and is ready as needs arise.
Built-In Expense Management
Expense Reimbursements, All in One Place
Give your team one place to manage card activity and submit expense reimbursements. Employees can upload receipts, request reimbursements and track status through the same secure portal, whether they have a Pinnacle business card or not.
Why Bank of Utah?
Rooted in Utah for more than 70 years, Bank of Utah brings community bank strength and practical business insight to cardholders nationwide.
Learn More About Us
The Story in the Card
The topographic lines on the card trace Kings Peak (13,528 feet), a Uinta Mountains icon representing steady progress, thoughtful planning and the climb toward what’s next.
Manage Your Card in the Mobile App
Download the app to view transactions, set controls, make payments and get real-time alerts right from your phone.
Frequently Asked Questions
Authorized representatives from Utah and across the country are welcome to apply. All applications are subject to credit approval and our standard review process.
The Pinnacle Business Card currently has no annual fee. Other applicable fees, such as for cash advances or late payments, will be clearly disclosed in your cardholder agreement at account opening.
We review each application individually and consider factors such as creditworthiness and business financial information. This helps us establish a credit line that aligns with your business capacity. Interest is calculated daily on any balance you carry, and full account terms will be outlined in your cardholder agreement.
Yes. You can request employee cards, set individual spending limits and monitor activity through our credit card app.
Use the mobile app to view transactions, set alerts, lock/unlock cards and export spending reports. You can also receive real-time transaction notifications via the app.
You can pay your balance online, in the mobile app, by mail or at any Bank of Utah branch.
The Pinnacle Business Card currently supports Apple Pay® for secure, contactless purchases.
Bank of Utah extends Visa Zero Liability Protection to eligible business cardholders for unauthorized transactions, subject to the terms and conditions outlined in your cardholder agreement. Cardholders are responsible for promptly reporting suspicious or unauthorized activity.
If you see an unauthorized or incorrect charge, report it immediately in the mobile app or call customer service. We'll investigate and, if appropriate, provisionally credit your account while we review the transaction.
We may be able to adjust your payment due date to better align with your business cash flow. Contact our card services team to discuss available options.
Bank of Utah reports account activity to credit bureaus consistent with industry practices. For questions about how balances or payments may affect credit, contact our card services team or see your cardholder agreement.
To make the application process as smooth as possible, we recommend having your basic business and financial details on hand. This typically includes:
- Business name, address and legal structure
- Tax ID (EIN) or SSN, depending on your business type
- Annual revenue and estimated monthly expenses
- Identifying information for all owners or authorized officers
Because every business is unique, we encourage you to reach out to a team member here. We can walk you through the specific documentation required for your entity type and ensure you have everything you need before you start.
After applying, you will receive an email with next steps. You can also call Bank of Utah card services with your application reference number for an update.
Ready to Elevate Your Business?
Apply today for a business credit card designed to simplify spending, with practical tools and the strength of an established community bank.
Questions? We're here to help.
For card support, call (385) 213-3373.
Card Support Hours: Monday–Friday, 6 a.m. to 6 p.m. MT
Want to learn more about the card or talk through what fits your business? Reach out to a business banker here.
1 Visa’s Zero Liability Policy covers U.S.-issued Visa credit, debit and prepaid cards and protects cardholders from unauthorized transactions made through fraud or theft. Coverage for business credit cards is provided at the discretion of the issuing bank. Bank of Utah extends Visa Zero Liability Protection to its business cardholders for unauthorized transactions, provided the cardholder has exercised reasonable care in safeguarding the card and promptly reports any suspicious or unauthorized use. The policy does not apply to certain commercial card transactions or employee misuse. Additional terms and conditions may apply. For full details, please refer to your Bank of Utah Business Credit Card Agreement or visit visa.com/zeroliability.
