Contact us to apply†Important Disclosures
Convenient and easy avenue for small business spending
Separate your personal and business purchases
Online account management with eZBusiness
No Annual Fees
|Purchase APR||Balance Transfer APR||Cash Advance APR||Annual Fee|
|Prime + a margin of 6.49% for unsecured and 5.49% for secured||Prime + a margin of 6.49% for unsecured and 5.49% for secured||Cash advances are not available for business credit cards at this time.||None|
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|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
|• 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.|
|• 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.