Beneficial State Bank
Credit Cards

Visa Business
from Beneficial State Bank

Visa Business

Visa Business
from Beneficial State Bank


Contact us to apply

Important Disclosures

Convenient and easy avenue for small business spending

Separate your personal and business purchases

Separate your personal and business purchases

Online account management with eZBusiness

Online account management with eZBusiness

No Annual Fees

No Annual Fees

Pen & Paper

Interest Rates & Fees Summary

Purchase APR
Prime + a margin of 6.49% for unsecured and 5.49% for secured
Balance Transfer APR
Prime + a margin of 6.49% for unsecured and 5.49% for secured
Cash Advance APR
Cash advances are not available for business credit cards at this time.
Annual Fee
None
Purchase APRBalance Transfer APRCash Advance APR Annual Fee
Prime + a margin of 6.49% for unsecured and 5.49% for securedPrime + a margin of 6.49% for unsecured and 5.49% for securedCash advances are not available for business credit cards at this time.None

Additional Product Features

  • Apple, Samsung, Google Pay
  • Online account information - eZCardInfo.com

Important Disclosures

Scroll through the box below to read important disclosures

Pricing and Terms for Business Credit Card(s)

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases Your APR will be 9.74% for unsecured and 8.74% for cash secured Business Credit Card accounts. This APR will vary with the market based on the Prime Rate.
Cash Advances and Balance Transfers Cash advances are not available for Business Credit Card at this time. Your balance transfer APR will be 9.74% for unsecured and 8.74% for cash secured Commercial Credit Card accounts. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will be charging you interest on balance transfers on the transaction date
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore
Fees
Annual Fee $0
Transaction Fees:
• Foreign Transaction 1.5% of each transaction after conversion to U.S. Dollars.
• Balance Transfer 1.5% of each balance transfer, with a minimum of $15.
Penalty Fees:
• Late Payment Either $15 or 1.5% of the payment past due, whichever is greater.
• Returned Payment Up to $35

How will we calculate your balance? We will use a method called “average daily balance (including new purchases).” See your Business Credit Card agreement for more details.

A margin of 6.49% for unsecured and 5.49% for secured Business Credit Cards will be added to the Prime Rate for all transactions.

The Daily Periodic Rate as of March 25, 2020 for unsecured credit card transactions is 0.02668%. and 0.02395% for secured credit card transactions.

The Prime Rate as of July 8, 2020 is 3.25%.

Information about your rights to dispute transactions and how to exercise those rights is provided in your Business Credit Card agreement.

Each Business Credit Card issued under this Application will be governed by the terms and conditions in effect at the time each Business Credit Card is issued. We may change any other terms of your account, including, but not limited to, the APR, any fees, credit limits, and permitted cardholders, at any time. If we change any of these terms, we will notify you in writing in accordance with applicable law.

The above information about the costs of the cards described in this application is accurate as of July 8, 2020. This information may change after this date and may not be comprehensive. For additional information, please see the Business Credit Card Agreement for all terms and conditions.

Visa is a registered trademark of Visa International Service Association.