Business Visa Pricing Information

Interest Rates

Interest Charges

Purchase Annual Percentage Rate (APR)

{product.BLIC.Intro_APR_RT} introductory APR for the first 12 months following account opening. After that, your APR will be {product.BLIC.BT_Min_RT} to {product.BLIC.BT_Max_RT} based on your creditworthiness. This APR will vary with the market based on the Prime Rate.D

Balance Transfer APR

{product.BLIC.Intro_APR_RT} introductory APR for the first 12 months following account opening. After that, your APR will be {product.BLIC.BT_Min_RT} to {product.BLIC.BT_Max_RT} based on your creditworthiness. This APR will vary with the market based on the Prime Rate.D

Cash Advances APR

28.24%. This APR will vary with the market based on the Prime Rate.D

Penalty APR and When It Applies

30.24%. 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.

How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will remain in effect until your account has maintained a non-delinquent status for three consecutive billing cycles.

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 $5 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 {product.BLIC.DISC_WSJ_RT} Prime Rate as of {product.BLIC.DISC_WSJ_DT}.

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 July 2023 and is subject to change after that date. You can contact us to learn what may have changed by calling 800-763-0356.

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.

We add 6.74% to 15.74% to the Prime Rate to determine the Purchase/Balance Transfer APR. The introductory rate begins on the account opening date and applies only to the Business Visa card.

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NMLSR ID 503941