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Earn rewards and benefits including cash-back, gift cards, and exclusive access to Hello Alice business events and workshops. Get customized, on-demand business coaching to help you make critical decisions and special discounts on a variety of vetted business services. As part of the Mastercard World Elite for Business program, cardholders get access to powerful benefits like safety and security solutions and other tools³. Rewards are tailored to small business spending and cardholders may earn:²

• 4x points for every $1 spent on eligible wireless telephone services & business software purchases
• 3x points for every $1 spent on eligible office supplies & shipping purchases
• 2x points for every $1 spent on eligible ride share & restaurant purchases
• 1.5x points for every $1 spent on all other purchases

In addition, you can also earn points through various activities with Hello Alice:²

• Complete your profile on Hello Alice and earn 150 points
• Get rewarded 100 points when you log in three days in a row
• Complete a Program to earn 100 points

²For the Credit Card rewards program, see the Rewards Terms and Conditions in the Summary of Credit Terms. Please see the Hello Alice Terms of Service at helloalice.com/terms for information regarding expiration, redemption, forfeiture, and other limitations on Hello Alice points. Rewards redemptions are available online only. Please allow up to eight weeks after you qualify for the statement credit offer for it to be applied to your Account. Hello Alice points earned on Hello Alice activities cannot be redeemed for cash-back.

³See your Guide to Benefits when you become a cardmember for details.

The Hello Alice Small Business Mastercard® was designed to provide equitable access to working capital for small businesses while delivering best-in-class perks and rewards. 

A card that grows with your business. Card benefits include:

• $0 annual fees¹ 
• 0% intro APR on purchases and balance transfers made in the first six billing cycles after account opening. After that, a variable APR of 19.24%-28.24% based on your creditworthiness.¹
• Access to 1:1 business coaching sessions with professional advisers available on demand²  
• $100 statement credit when you spend $1,000 in the first three billing cycles after account opening (one credit per business account)²

Having access to business credit is the lifeline for any business owner. A business credit card enables companies of all sizes to obtain the vital capital needed to expand, purchase inventory or equipment, and streamline day-to-day expenses while enjoying added perks, such as rewards and purchase protection. It's important to keep your personal and business spending separate. Responsible use of a business credit card also helps owners like you establish, build, or rebuild credit, which can be beneficial in qualifying for other financing and improve future borrowing terms, perks, loans, and improve future borrowing terms.

There are $0 annual fees on the Hello Alice Small Business Mastercard. We offer a true small business card, with no annual fees so you can save money.¹

APR, or annual percentage rate, refers to the yearly interest a cardholder pays if you carry a balance. Simply put, it’s the cost of borrowing on a credit card. APR varies from card to card and may also include additional fees or charges. The Hello Alice Small Business Mastercard® has a 0% introductory APR on purchases and balance transfers made in the first six billing cycles after account opening. After that introductory period, purchases and balance transfers you make will be subject to an interest rate determined by your creditworthiness at the time of application. The Hello Alice Small Business Mastercard® offers an APR between 19.24%-28.24% based on your creditworthiness.¹

Hello Alice offers two credit cards: an unsecured card with a revolving credit line, and a secured card. A secured card is a type of credit card that requires a security deposit in order to open an account. Once a cash deposit is made, you may charge purchases anywhere that credit cards are accepted. Responsible use of a business credit card also helps owners like you establish, build, or rebuild credit, which can be beneficial in qualifying for other financing and improve future borrowing terms, perks, loans, and improve future borrowing term. If you choose to close your credit card account at any point, your entire security deposit will be returned. An unsecured card means you do not have to pay a security deposit in advance to be approved.

Cardholders with a Hello Alice Small Business Secured Mastercard® may transition to the unsecured card in as little as 11 months when you maintain a good payment history. Subject to credit approval. There’s nothing extra you need to do. Your secured card security deposit will be refunded to your account once the card transition takes place.