• 2%-2.5% back in rewards, unlimited, on ALL purchases **
  • Paid AOA dues Sign Up Bonus+
  • Up to 6% back on eye care vendors*** (2% from the card + 4% from vendor deals)
  • No Annual Fee


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 dashboard
  • Issue new cards to employees and set spending permissions
  • Get access to a Vendor Negotiations Specialist that will help you to get deals on your vendor contracts
  • Quickbooks® integration
  • Autopay capabilities

The AOA Card Platform

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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Conditions apply. Subject to approval. Mercantile Financial Technologies, Inc. is a financial technology company, not a bank. The AOA Credit Cards are issued by Hatch Bank pursuant to a license from Mastercard. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Review the cardholder agreement here.

Reference to any products, services, hypertext link to third parties or other information by trade name, trademark, supplier or otherwise does not constitute or imply its endorsement, sponsorship or recommendation by Hatch Bank.

* See Vendor Offer page on your card dashboard to see all available offers. To participate in the Vendor Offers program you must have an eligible American Optometric Association Business credit card. See complete Terms and Conditions for more details.

** 2-2.5% in reward points on all purchases, no cap on rewards. This includes a .5% AutoPay reward. See AutoPay page on the card dashboard for reward offers per AutoPay method. You will not earn rewards on returned, disputed, or fraudulent transactions. We will reverse rewards associated with the return, credit or adjustment.

*** These offers include 2% from the card and an additional % from the Vendor offers on the card dashboard. Cardholders must opt into vendor offers on the card dashboard and reach sales threshold requirements to get the additional cash back. See specific Vendor offers for more details."

+ The AOA dues of $972 are paid when you spend $15,000 or more in the first 4 months after account creation. Your Card account must not be canceled or in default at the time of fulfillment of any offers. After the 4 months, Reward points will be credited to your account if you have met the threshold amount. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so, we may not credit Reward points, we may freeze Reward points credited, or we may take away Reward points from your account. We may also cancel this Card account and other Card accounts you may have with us.

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.

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