Business Visa Pricing Information

Interest Rates

Interest Charges

Purchase Annual Percentage Rate (APR)

10.24% to 19.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.D

Balance Transfer APR

0% introductory APR for the first 6 months following account opening. After that, your APR will be 10.24% to 19.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.D

Cash Advances APR

23.24%. This APR will vary with the market based on the Prime Rate. D

Penalty APR and When it Applies

25.24%. This APR will vary with the market based on the Prime Rate.D The Penalty APR may be applied if your account becomes 60 days delinquent.

Paying Interest

Your due date will be a minimum of 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.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

Type of Fee

Fee

Annual Fee

None

Balance Transfer Transaction Fee

Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash Advance Transaction Fee

Either $10 or 4% of the amount of each cash advance, whichever is greater.

Foreign Transaction Fee

3% of each transaction after conversion in US dollars.

Late Payment Penalty Fee

$39 for any payment past due 10 days or more.

Over-the-Credit-Limit Penalty Fee

$39

Return Payment Penalty Fee

$39

How We Will Calculate Your Balance: We use the average daily balance method (including new transactions).

Prime Rate: Variable APRs are based on the 3.50% Prime Rate as of March 31, 2022.

Loss of Introductory APR: We may end your introductory APR if all or part of your required minimum monthly payment is more than 60 days late and the Penalty APR will take effect.

This information was accurate as of March 2022 and is subject to change after that date. You should contact us to find out what may have changed by calling toll-free at 800-763-0356.

We add 8.74% to 17.74% to the Prime Rate to determine the Purchase/Balance Transfer APR. The introductory rate begins on the account opening date.

We add 19.74% to the Prime Rate to determine the Cash Advance APR.

We add 21.74% to the Prime Rate to determine the Penalty APR.

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