Business Platinum Rewards Card Terms & Conditions

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases for Business Visa Platinum Rewards Cards For the Business Visa Platinum Rewards Card, your APR will be 10.25% 13.25%based on your creditworthiness. This APR will vary with the market-based Prime Rate.
Annual Percentage Rate (APR) for Cash Advances & Balance Transfers for Visa Platinum Rewards

The APR on your Business Visa Platinum Rewards Card will be 10.25% - 13.25%, based on your creditworthiness. We will begin charging interest on cash advances, balance transfers, and credit card checks on the transaction date.

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

Penalty APR and When it Applies 18.00% this APR may be applied to your account if you make a payment that is late 60 days or more.

How Long Will the Penalty APR Apply? If we increase your APRs due to late payment, we may keep them at this higher level on existing and new balances until you make six consecutive on-time payments starting with the first payment after the date on which it is imposed. If the six consecutive on time minimum payments are not made, we have the option of keeping the Penalty APR on your account indefinitely.
Paying Interest Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances, balance transfers and credit card checks on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
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


Fees to Open or Maintain your Account
Annual Fee: None
Application Fee: None

Transaction Fees
Balance Transfer: None
Cash Advance: 1% of the amount of each cash advance (minimum: $2.00; maximum:$20.00)
Foreign Transaction: Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA.

Penalty Fees
Late Payment: If your payment is late, up to $27.00 for the first offense and up to $35.00 each if 2 or more offenses occur within 6 months.
Over-the-Credit Limit: None. We do not allow transactions that will exceed your credit limit.
Returned Payment: Up to $26.00 if your payment is returned for any reason.

Big bank services, small town attitude.

The Power of WE® in Action