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 modern technology.
Looking for a personal card or legacy Elan account? Learn More
For eligible accounts opened October 1, 2026 through March 31, 20271
On eligible new purchases for the first six billing cycles after account opening.
- 3% cash back on qualifying software, telecommunications and internet purchases
- 2% cash back on qualifying fuel, shipping and office supply purchases
- 1.5% cash back on other qualifying purchases
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 team members 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® or Xero®.
Cash Back
Earn cash back on qualifying business purchases, automatically applied as statement credits to your account.
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 members one place to manage card activity and submit expense reimbursements. Team members 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 has a $95 annual fee. Other applicable fees, such as fees for cash advances or late payments, are described in the full pricing and agreement.
Eligible new accounts opened during the offer period may receive a 3.99% introductory APR on eligible new purchases for the first six billing cycles after account opening. After that period, a variable purchase APR of 15.74%–23.99% applies, subject to your account-opening pricing terms and Card Agreement. Interest is calculated using the average daily balance method. See the introductory APR terms below.
Yes. You can request team member cards, set individual spending limits and monitor activity through our credit card app.
Use the mobile app to view transactions, set alerts, lock or unlock cards and export spending reports. You can also receive real-time transaction notifications through 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.
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 Offer dates and eligibility: Offer period runs from October 1, 2026 through March 31, 2027. Offers are available for eligible new Pinnacle Card business accounts opened during that period, subject to credit approval. Existing Pinnacle Card customers may participate through a newly opened eligible account unless Bank of Utah states otherwise in writing. The account must remain open, active and in good standing when a benefit is earned and, when applicable, credited. The offer cannot be combined with another introductory offer, acquisition bonus, fee waiver, negotiated pricing arrangement or rewards promotion unless Bank of Utah permits it in writing. The Card Agreement, account-opening disclosures and Rewards Program Terms and Conditions control.
2 Introductory purchase APR: A 3.99% introductory APR applies to eligible new purchases that post during the first six billing cycles after account opening. After the introductory period, the standard variable purchase APR of 15.74%–23.99% applies to remaining promotional purchase balances and new purchases, subject to the account-opening pricing terms and Card Agreement. Minimum payments are required. Failure to make required payments or comply with the Card Agreement may result in loss of the introductory rate and other consequences.
3 Bonus cash rewards: Eligible accounts may earn up to $2,000 in cumulative bonus cash rewards based on qualifying net purchases after account opening: $750 after spending at least $7,500 within the first 60 days; an additional $500 after spending at least $15,000 within the first 90 days; and an additional $750 after spending at least $30,000 within the first 120 days. Each tier is earned separately and adds to previously earned tiers, up to $2,000 total. Qualifying net purchases are eligible purchases minus returns, refunds, credits, disputed transactions and adjustments. Qualifying purchases by authorized employee cardholders on the same business account count toward the spending requirements. Balance transfers, cash advances, convenience checks, fees, interest, unauthorized or fraudulent transactions, person-to-person payments, wire transfers, money orders, traveler’s checks, prepaid or cash-equivalent purchases, gambling transactions, tax payments processed as cash-equivalent transactions and other excluded transactions do not count. Each earned bonus is applied as a statement credit during the billing cycle immediately following its applicable qualification period. The account must remain open, active and in good standing when the reward is earned and credited. Unless otherwise stated, the promotional bonus is limited to one per approved business relationship, tax identification number and/or account. See the full launch offer disclosure for eligibility requirements, exclusions and additional terms.
4 Cash-back rewards: Eligible purchases earn 3% cash back when posted under the qualifying merchant category codes (MCCs) listed in the full launch offer disclosure for software/SaaS, telecommunications and internet purchases; 2% under the listed qualifying MCCs for fuel, shipping, office supplies and electric vehicle charging; and 1.5% on other qualifying purchases. SaaS refers to subscription-based, cloud-hosted software or online software services. Elevated rates depend on the transaction’s qualifying MCC, rather than solely on the item or service purchased. Qualifying purchases posted under an MCC outside the listed elevated categories earn the standard 1.5% rate. Bank of Utah is not responsible for merchant classifications or how transactions are submitted. Returns, credits, reversals, disputes, cash-equivalent transactions, fees, interest, balance transfers, cash advances, unauthorized transactions and other transactions excluded under the Rewards Program Terms do not earn cash-back rewards. Reward rates, categories and eligibility may change as permitted by law and the applicable agreements. See the full launch offer disclosure for qualifying MCCs, exclusions and additional terms.
5 Visa Zero Liability Protection: Covers U.S.-issued cards only and does not apply to certain commercial card transactions or transactions not processed by Visa. Cardholders must notify Bank of Utah promptly of any unauthorized use. Consult Bank of Utah for additional details.
