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    CREDIT CARD BUSINESS

    Cash flow simpler. Faster decisions. Choose the VISA Business credit card, the credit card that offers you freedom in daily decisions.

    • You have up to 55 days grace period.
    • You pay in up to 18 installments without interest.
    • Recover the VAT for external payments.
    • Collect Star points that you can use for future purchases.
    • You have access to the Business Lounge in Bucharest and Cluj with Visa Business Gold.
    • Control the credit card limits directly from BT Go.
    Premium mindset, with commensurate benefits
    Dedicated team, subscription with exclusive benefits and access to a diversified investment portfolio.
    Apply now
    Premium mindset, with commensurate benefits

    BT Go & BT VISA Business

    Total control, directly from BT Go

    Visa Business credit card and BT Go are your digital partners for a more relaxed cash flow. See in real time what is happening with the company’s money, manage limits, installments, and card security – everything simple, fast, and secure, directly from your phone.

    SOLD. STAR POINTS. RATE.

    You always have the available amounts and the credit used at hand. See how many STAR points you have and reinvest them in your business.

    REAL-TIME TRANSACTIONS

    Each payment appears instantly in the app, with clear details.

    YOUR CARD, YOUR LIMITS

    You modify the payment limits directly from the application.

    YOU MANAGE THE PAYMENT OF INSTALLMENTS

    See the installments and pay them directly from the app.

    You are safe

    Your cards are always with you, in your phone. You block them, unblock them, change the limits and approve payments.

    Corporate credit card

    Corporate credit card

    Interest free. Worry free.
    Only business.

    SEE WHAT CARD
    IT SUITS YOU

    Silver or Gold? Whether you need a basic financial tool or premium benefits for travel and recurring expenses, both Visa Business credit card options offer you control and flexibility.

    You buy from
    store star

    30,000 partner stores where you can pay in installments or with points, online or in stores. Whether they are national or local stores, you will find all categories of products and services useful to your business, in the Star network.

    GRANT CONDITIONS

    • Your company has no bank restrictions (checks, overdue loans, etc.).
    • Your company is not registered in the Insolvency Procedures Bulletin.

    QUICK HELP

    • the maximum cash withdrawal limit is 10,000 lei per day
    • the limit for payments at POS and on the internet is 20,000 lei per day, per card
    • the internet payment limit is 5,000 lei with CVV per day, per card and 0 lei for payments without CVV

    European Directive PSD2 (Payment Services Directive) regarding the security of card payments limits contactless or online payments without authentication via PIN code or biometrics (fingerprint, FaceID etc.), but you can add the card to BT Pay and avoid this concern

    Of course! You have access to the Business Lounge salons if you have your Visa Business Gold credit card with you. Additionally, the best part is that you can bring a friend with you 😊.

    In the case of credit cards intended for legal entities, the credit line used between the first and the last day of the current month can be replenished in the account until the 25th of each month.

    If it falls on a non-working day (Saturday, Sunday, or legal holiday), you will have to deposit the amount before this date, no later than 8:00 p.m. 📅

    In order to access a corporate credit card, it is necessary to present an end-of-year financial statement with the receipt certifying its submission to the tax authorities and a trial balance for the month of December of the year prior to the application.

    APPLY FOR
    CREDIT CARD

    With the Visa Business credit card you have up to 55 days without interest, installments without fees and full control from BT Go. You apply easily, and we call you with all the details. Simple, fast, no trips.

    Ai Search
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    Întreb BT is the largest online financial education program of Banca Transilvania, with over 2,000 questions and answers about banking.
    Frequently Asked Questions
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    AI Search provides automatically generated answers, using Claude-Haiku-4.5 technology and an advanced agent orchestration mechanism. The answers may contain inaccurate or potentially offensive content, which does not represent the point of view of Banca Transilvania. You are solely responsible for the use of the content generated by this service. Read .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta version - that uses Claude-Haiku-4.5 technology to simplify the search and understanding process of banking products.

    AI Search is trained to answer questions exclusively related to banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are generated automatically and should be used for informational purposes only. The service may sometimes provide inaccurate or potentially offensive content that does not represent the point of view of Banca Transilvania. You are solely responsible for using the content generated by this service in any way. Do not rely on this service for financial, legal, or other professional advice and do not enter personal data or other confidential information into it.

    Using AI Search requires acceptance of the Terms and Conditions.

    Access to and use of the service implies unconditional acceptance of these terms and conditions. If you do not agree with them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume all risk regarding the quality, safety, and performance of this service.

    Banca Transilvania does not provide any warranty regarding the answers given by this service.

    AI Search provides algorithmic answers and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the Bank's responsibility for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obliged not to provide or enter any personal data or other confidential information in the messages/questions sent. In case of non-compliance with this obligation, by inserting personal data/confidential information within AI Search, you express your consent for their processing in order to provide the service (answers to the questions you ask), as well as for the improvement of the robot's algorithmic model by its developer.

    Any information provided by users during interaction with AI Search will be treated confidentially, being disclosed only to recipients who have the right and need to know it.

    The content provided by AI Search is for informational purposes only.

    Users are responsible for the questions and messages addressed during the use of AI Search. Any abuse or inappropriate language may lead to the termination of the interaction.

    AI Search does not provide financial, legal, or professional advice and does not replace consulting human experts or specialized professionals in the respective field. Users should not rely on the information provided by AI Search for decision-making.

    The bank reserves the right to interrupt the AI Search service at any time, without prior notice.

    Terms and conditions may be revised/ updated at any time.