• Signup Bonus: AOA dues reimbursed ($996 value)1
  • Up to 2% Cash Back Rewards on all Purchases*
  • No Annual Fee+
  • Up to an additional 1% on contact lens vendors

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The AOA Credit Card

The AOA Business Card pays for itself in benefits alone, but it's also designed to help better manage your practice:

  • Keep track of your spending in one, modern, user-friendly online portal
  • Issue new cards to employees at no additional costs and set spending permissions
  • Autopay capabilities





The AOA Card Platform

For illustrative purposes only.


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What AOA member-owned business can take advantage of the AOA Business Card?

  • Any business entity owned by an AOA member, regardless of affiliation with optometry, including:

    • An Independently owned practice of optometry with one or more locations including operating under contract with a separate corporate entity.
    • A group owned private practice with one or more locations
    • An Optometry / Ophthalmology practice
    • A doctor-owned corporation for real estate holdings
    • A doctor-owned optical lab and or optical dispensary 
  • Any AOA-affiliated State Association 

Take back your valuable time and money and focus on the aspects of your practice that you love the most.

Rewards Calculator

Calculator for illustrative purposes only.

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Subject to credit approval. Upon approval, refer to your Credit Card Agreement and the AutoPay Settings, Rewards and Vendor Offers sections in your Online Portal for additional details and reward offers. Authorized users are subject to regulatory compliance checks to obtain, verify and record information that identifies authorized users .

1 The AOA dues of $996 are reimbursed when you spend $15,000 or more on net qualified purchases (minus credits, returns and adjustments) posted to your account in the first 4 billing cycles after account creation. After 4 billing cycles, reward points will be credited to your account if you have met the threshold amount.

* You may earn up to 2% in cash back rewards on all net qualified purchases (minus credits, returns and adjustments) posted to your account which includes 1% in cash back rewards for paying your current balance on a weekly basis via AutoPay.

See AutoPay settings in the Online Portal for reward offers per AutoPay frequency.

† The variable Annual Percentage Rates (APRs) for this Account are currently 16.9% to 29.65%, based on creditworthiness, for Purchases. There is no annual membership fee associated with this Card.

This credit card program is issued by Hatch Bank pursuant to a license from Mastercard.  All terms are subject to change.

© 2025 Onboard Partners LLC. All rights reserved. Mercantile is a service mark of Onboard Partners LLC. 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.



Concentrate on your patients. We’ll take care of the rest.

AOAExcel sources and provides products and services that excel in helping doctors of optometry practice smarter and more efficiently.