Explore the Univest Business Credit Card in 2025. Learn about rewards, low fees, employee cards, and how it compares to big banks. Build business credit today. In today’s fast-paced economy, every business owner needs access to flexible, affordable, and reliable financial tools. For many small and mid-sized businesses, a business credit card is one of the most valuable resources. Among the growing number of options available in 2025, the Univest Business Credits Card is emerging as a trusted solution for entrepreneurs who want competitive rates, rewards, and personalized banking.
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Overview
In today’s fast-paced economy, every business owner needs access to flexible, affordable, and reliable financial tools. For many small and mid-sized businesses, a business credit card is one of the most valuable resources. Among the growing number of options available in 2025, the Univest Business Credit Card is emerging as a trusted solution for entrepreneurs who want competitive rates, rewards, and personalized banking.
This comprehensive guide will walk you through everything you need to know about the Univest Business Credit Card—its benefits, features, requirements, and how it stacks up against competitors. We’ll also explain why pairing financial management with strong health insurance coverage (learn more here) is key to long-term stability for your business.
What is the Univest Business Credit Card?
The Univest Business Credit Card is a financial product designed specifically for business owners. Issued by Univest Bank and Trust Co., a Pennsylvania-based community bank, it offers competitive rates, flexible rewards, and personalized service that you might not get with large national banks.
Like other business credit cards, it helps owners manage day-to-day expenses, streamline employee spending, and build a strong business credit profile.
Key Features of the Univest Business Credit Card
The Univest Business Credit Card comes with several features tailored for small businesses:
- Low APRs compared to big-name issuers
- Rewards program with cashback or points options
- Expense management tools to track and categorize spending
- Free employee cards with customizable limits
- Fraud protection and purchase security
- No hidden fees for balance transfers or foreign transactions (depending on the card type)
- Local service and support from Univest representatives
Types of Univest Business Credit Cards
Univest generally offers two main types of business credit cards:
- Cash Rewards Business Credit Card
- Earn cashback on purchases like office supplies, gas, and utilities.
- Great for businesses that want straightforward rewards.
- Business Travel & Rewards Credit Card
- Earn points redeemable for travel, merchandise, or gift cards.
- Designed for businesses with frequent travel expenses.
Benefits of the Univest Business Credit Card
Here’s why many business owners choose Univest:
1. Competitive Rates and Fees
Univest offers APRs that are often lower than large banks, helping businesses save money.
2. Personalized Banking
As a community-focused bank, Univest provides dedicated customer support and tailored financial solutions.
3. Rewards Flexibility
Whether you prefer cashback or travel points, Univest cards are designed to maximize business purchases.
4. Expense Control
With free employee cards and real-time spending tracking, it’s easier to manage budgets.
5. Build Business Credit
Consistent use of the card helps establish a positive business credit history, essential for future financing.
Univest vs. Big Bank Business Credit Cards
| Feature | Univest Business Card | Big Bank Cards |
| APR | Lower on average | Higher |
| Annual Fees | Low or waived | Moderate to high |
| Rewards | Flexible (cashback/points) | Extensive but complex |
| Approval Process | More personalized | More rigid |
| Customer Service | Local, community-based | Corporate call centers |
Why Pair Business Credit with Health Insurance?
Running a successful business isn’t just about financial management—it’s also about protecting employees and reducing risk. Just as the Univest Business Credit Card helps manage expenses, having a reliable health insurance plan (explore plans here) safeguards your team and ensures long-term productivity.
Together, these tools create a stable foundation for growth.
How to Apply for the Univest Business Credit Card
Applying for a Univest Business Credit Card is straightforward:
- Check eligibility – Must be a registered business entity.
- Prepare documents – Tax ID, business financials, personal guarantees if needed.
- Apply online or at a branch – Univest provides both options.
- Approval and card setup – Once approved, set up employee cards and expense management tools.
Tips to Maximize Univest Business Credit Card Benefits
- Use for Recurring Expenses – Put monthly bills, supplies, and travel costs on the card to earn rewards.
- Pay in Full Each Month – Take advantage of rewards while avoiding interest.
- Leverage Employee Cards – Simplify expense reporting and control spending.
- Track Spending Categories – Use expense tools for better budgeting and tax deductions.
- Pair with Employee Health Benefits – Financial and healthcare security go hand-in-hand.
Pros and Cons of the Univest Business Credit Card
✅ Pros
- Low APRs and fees
- Flexible reward structures
- Community-based service
- Employee card options
- Builds business credit
❌ Cons
- Limited availability (regional bank)
- Fewer luxury perks compared to national banks
- Membership may be restricted to certain areas
5 FAQs – Univest Business Credit Card
Q1. Does Univest offer cashback rewards on business cards?
Yes, Univest provides a cashback option for businesses that prefer simple, straightforward rewards.
Q2. Can employees get cards under the Univest Business Credits Card?
Yes, you can issue free employee cards and set spending limits for better expense control.
Q3. Is Univest only available in Pennsylvania?
Univest is headquartered in Pennsylvania, but service availability may extend to surrounding regions.
Q4. How does the Univest Business Credit Card compare to big bank cards?
It usually offers lower rates and fees but may lack the nationwide perks of larger banks.
Q5. Can using the Univest Business Credit Card build my business credit?
Absolutely. Responsible usage helps establish a strong business credit profile for future loans.
