Subject to credit approval. As a condition to using the Card, you may be required to set up weekly automatic payments (“Weekly AutoPay”) toward your current balance. If approved, refer to your Card Agreement, Rewards Terms and Conditions, AutoPay Settings and Vendor Offers sections in your Online Portal for additional details. Authorized users are subject to regulatory compliance checks to obtain, verify and record information that identifies authorized users.
Discount, incentives and pricing offers may vary based on eligibility and are subject to the Vendor's terms and conditions. See Vendor Offers section in your Online Portal for details.
* To become eligible to earn your one-time $500 Cash Back Bonus, you must apply for the AAO World Elite Business Card by July 31, 2026, be approved, and use your new AAO World Elite Business Card to make at least $5,000 in net qualified purchases (minus credits, returns and adjustments) which must post to your Account (“Net Qualified Purchases”) in the first 90 days after account opening. Your Account must remain open for your Cash Back Bonus to be earned and applied. This bonus will be fulfilled as points, which can be redeemed for $500 in Cash Back Rewards. The points will be credited to your Rewards Balance after 3 billing periods once your account has been open for 90 days. Purchase requirements are met by eligible new purchases only. Disputes, fraud, illegal transactions, fees and interest, gambling transactions of any kind, or purchases that otherwise violate the terms of your account or the Card Agreement are not eligible. This one-time promotion is limited to members opening a new account in response to this offer.
¹ You may earn up to 5.5% in Cash Back Rewards up to $20,000 on net qualified purchases (minus credits, returns and adjustments) posted to your Account (“Net Qualified Purchases”) related to AAO and AAO merchant partners which includes 0.5% in Cash Back Rewards for paying your entire current balance on a weekly basis via automatic payments (“Weekly AutoPay”). After that, 1.5% in Cash Back Rewards on Net Qualified Purchases, which includes 0.5% in Cash Back Rewards for paying your entire current balance via Weekly AutoPay.
AAO Partners include the following Merchants: AAO store sales, WFO, AAOPAC, AAO Services, AAO Foundation, Black Talon Security, Lockton Affinity, Trapezio Staff Training, MPLC, Local Hospitality, Oakstone Practical Reviews Continuing Education, Medjet Assistance LLC, and Orthazone. Mercantile cannot control how merchants choose to classify their business name and reserves the right to determine which purchases qualify. The purchases must be from designated AAO endorsed partners, as determined by Mercantile. AAO merchant partners are updated periodically and are subject to change without notice. AAO merchant partners are not affiliated or endorsed by Mercantile or Hatch Bank.
² You may also earn up to 2.5% in Cash Back Rewards on Net Qualified Purchases posted to your Account for Dental Merchant Category code: 5047, 8021 and 8071 which includes 0.5% in Cash Back Rewards for paying your entire current balance via Weekly AutoPay.
Cash Back Rewards are earned in the form of points which are credited to your Rewards Balance in the Online Portal. Points may be redeemed for (1) Cash Back Rewards, in the form of (a) a statement credit to your Account or (b) a check issued to the Business, or (2) travel, via our travel partner, Switchfly, in the Online Portal.
See the full Card Agreement for more information.
ᵃ The variable Annual Percentage Rates (APRs) for this Account are currently N/A to N/A, based on creditworthiness, for Purchases. There is no annual membership fee associated with this Card. See the full Rates and Fees Table for more information.
ᵇ See World Elite Mastercard For Business for more information.
This credit card program is issued by Hatch Bank pursuant to a license from Mastercard. Mastercard and the circles design are registered service marks of Mastercard International Incorporated. All other service marks or trademarks are the property of their respective owners.
All terms are subject to change.
