By the Numbers

  • Tailored lines of credit
  • Annual fee of $100 waived for the first year
  • Annual percentage rate (APR for purchases: Index Rate + 10.00%)

Scorecard Rewards

  • Earn points toward cash back, gift cards, merchandise, travel and more
  • Choose from gift cards for popular restaurants and retailers, or select from thousands of items including name brands like Apple®, Dyson® and Sony® at

Additional Tools from VISA

  • Visa Commercial Format connects with your expense management system
  • Visa also offers Supplier Matching Services; Travel and Emergency Assistance; and Auto Rental Collision Damage Waiver

Features & Benefits

Torrey Pines Bank's robust credit card solution:

  • Streamlines payments
  • Includes eZ Business, an intuitive online administrative management tool
  • Automates payables and reconciliation
  • Enhances cash management
  • Integrates with expense management systems
  • Provides robust reporting to manage the program and employee cardholders
  • Enables management reports that simplify recordkeeping and tax preparation
  • Eliminates foreign transaction or over limit fees
  • Offers real-time fraud monitoring and support around the clock

Easy Online Program Management (eZ Business)

Our convenient, online credit card management platform helps your business do more 24/7.  Control, track and report business card purchasing with ease. Because eZ Business Card Management is always available, company administrators can access the program whenever it’s  convenient to:

  • Add new users and request replacement cards
  • Reset user passwords
  • Manage cardholder limits and user entitlements
  • Review and create detailed transactions reports
  • Review statements
  • Set up auto pay, create administrative alerts, manage billing and more

The Visa® Commercial Credit Card Program

A credit card program that brings powerful tools for your business through two sophisticated commercial card options – the Visa® Commercial Credit Card and the Visa® Commercial Plus Credit Card. With a robust management platform, plus opportunities for great rewards, integrating your credit cards services with your trusted banking relationship lets you simplify and maximize your day-to-day business finances.
All offers of credit are subject to credit approval.
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