Small Business and Corporate Credit Cards

VISA® SMALL BUSINESS AND CORPORATE CREDIT CARDS

INTEREST RATES, INTEREST CHARGES, AND FEES DISCLOSURE 

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases and Balance Transfers
8.95% This APR will vary with the market based on the Prime Rate.*

 

APR for Cash Advances 19.99% This APR will vary with the market based on the Prime Rate.*
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each Billing Cycle. We will not charge you interest on Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances on the transaction date. There is no grace period on Cash Advances.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.01

Fees

Annual Fees NONE
Transaction Fees
  • Balance Transfer
  • Cash Advances
  • Foreign Transaction

$5.00 or 3.0% of the amount transferred, whichever is greater
$10.00 or 3.0% of the amount advanced, whichever is greater
1.0% of the purchase amount
Penalty Fees
  • Late Payment
  • Over-the-Credit-Limit
  • Returned Payment

Up to $25.00
Up to $25.00
Up to $25.00
Other Fees
  • Expedited Delivery Fee
  • Pay By Phone Fee

$15.00 
$10.00 

*Prime Rate and Margin: The variable APR is based on the Prime Rate Index. The Prime Rate Index used to determine your APR is the prime rate published in the Wall Street Journal on the 1st day of the prior month. Your APR may change monthly. For Purchases and Balance Transfers, the APR will be determined by adding the margin of 5.70% to the value of the Prime Rate Index. For Purchases and Balance Transfers, the minimum APR on your account is 8.95%. For Cash Advances, the APR will be determined by adding the margin of 16.74% to the value of the Prime Rate Index. For Cash Advances, the minimum APR on your account is 19.99%.