Commercial Credit Card
Smarter spending starts here.
Empower your business with the Axos Commercial Credit Card—flexible financing that simplifies expenses, improves cash flow, and delivers more value with every purchase.
Why choose Axos?
- No annual fees
- Make secure, touch-free payments
- Set spending limits, track purchases, and generate reports
- Automate tracking, improve oversight, and simplify reconciliation
- Access 24/7 assistance
- Use Apple Pay®, Google Pay™, and Samsung Pay®
- Hold onto cash longer with up to 55 days before payments are due
- Powered by Visa® and accepted at millions of locations worldwide
More cash flow means more flexibility.
Unlike wire or ACH payments, credit card transactions help you keep cash on hand longer—giving you more flexibility to manage working capital.
Earn cash back on every purchase—rewards are automatically applied to your monthly statement.
From startup to enterprise, your card scales with you—adapting to your needs at every stage.
Make fast, secure contactless payments with just a tap.
Stay protected.
Get 24/7 transaction monitoring and notifications on any suspicious activity.
Set purchase limits and restrict merchant categories
for each cardholder.
Reduce check fraud—credit card payments offer a safer, more traceable way to pay.
Enjoy peace of mind with travel and emergency assistance and more.
Expert support, whenever you need it.
Connect your card to a full suite of financial products—helping you simplify operations and get more value than a standalone card.
support
Get expert assistance with managing card features, navigating eZBusiness, handling statements, and processing card closures.
assistance
Get 24/7 support for transactions, lost or stolen cards, credit limits, billing, travel exclusions, and more.
Ready for a smarter way to pay?
Simplify accounts payable, extend your cash flow, and earn unlimited cash back with the Axos Commercial Credit Card.
FAQs for card program administrators.
When do credit card payments post?
Payments received by 2:00 p.m. PT will be posted the same day. Payments received after 2:00 p.m. PT post the next business day (e.g. payment made after 2:00 p.m. PT on 7/28 will post on 7/29). Payments become available three business days after the payment is received (e.g. payment made on 7/28 is available on 7/31).
Can I make a payment on a cardholder account?
Yes, you can make a memo payment to a cardholder, providing additional spending availability. The payment will apply to the overall billing account but free up funds for the specific cardholder.
Does a payment made to the billing account free up cardholder availability?
Yes, payments to the billing account increase overall account availability, allowing cardholders to continue using their cards within their monthly limits.
Can I set up recurring payments?
Yes, you can schedule recurring payments for company-billed accounts.
Options include Minimum Payment, Account Balance, Statement Balance, or fixed payments (monthly, weekly, or bi-weekly). Only one recurring payment plan can be active at a time.
Can I request immediate credit for a payment made in eZBusiness?
To request a temporary increase, the eZBusiness administrator must contact Treasury Management Client Services (TMCS) and provide proof of payment.
Phone: 844-205-0249, option 5
Email: [email protected]
Hours: 6:00 a.m. - 6:00 p.m. PT
Can I make a payment above the statement balance amount?
This requires manual processing by TMCS. Payments must be debited from an Axos Bank account. Once processed, the payment is automatically deducted from the specified account.
Can I increase the cardholder spend above the monthly company/billing account limit?
An eZBusiness administrator can contact the TMCS team to temporarily or permanently raise a cardholder's spend limit above the monthly company limit, allowing continued use for cardholders as payments are made to increase available credit.
When does the cardholder monthly spend limit reset?
The limit resets on the first day of the billing cycle.
Can I make a payment in eZBusiness once I have closed the card program?
No, once the card program has been closed, you can make a payment by one of the following:
Mail payments to: Axos Bank, PO Box 4521, Carol Stream., IL 60197-4521
Contact TMCS at 844-205-0249, option 5 to request payment processing.
Once I make a payment, can I later decide to cancel it?
Yes. Payments made in eZBusiness can be canceled in the portal until 2:00 p.m. PT on the same day. For manual payments, contact TMCS by 2:00 p.m. PT. Autopay cancellations must be requested at least three business days before the payment date.
Can I print or download my statements online?
Yes, statements can be downloaded from the eZBusiness portal.
Can I review my online payment history?
Yes, in the eZBusiness portal, navigate to Account Management > Search Payment to review and filter your payment history.
Does my password expire?
Yes, passwords must be changed every 90 days. Your account will lock after 50 days of inactivity.
How do I contact Customer Service?
Call 844-205-0249, option 5
How do I make a payment online?
You can make payments in the eZBusiness portal.
Ready to access custom banking solutions?
Schedule a Consultation