FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Credit Cards
VISA® Business
from Spencer County Bank
Competitive Rates
Zero Fraud Liability
24/7 Customer Service in the U.S.
Interest Rates & Fees Summary
- Purchase APR
- 14.88% APR
- Purchase Discounts
- Discounts on qualified business purchases
- Annual Fees
- $20†
| Purchase APR | Purchase Discounts | Annual Fees |
| 14.88% APR | Discounts on qualified business purchases | $20† |
Please see †Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.
Additional Product Features
- Online account information
Important Disclosures
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 14.88% APR |
| APR for Balance Transfers | 14.88% APR |
| APR for Cash Advances | 14.88% APR |
| 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 any interest on purchases if you pay your entire balance by the due date each month. The Interest Charge on cash advances begins from the date you obtained the cash advance. We will not charge you any interest on balance transfers if you pay your entire balance by the due date each month. |
| 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 http://www.consumerfinance.gov/learnmore |
| Fees | |
|---|---|
| Annual Fee | $20 |
| Transaction Fees | |
| • Foreign Transaction | Up to 1% of each transaction in U.S. Dollars |
| Penalty Fees | |
| • Late Payment | Up to $17.50 |
| • Returned Payment | Up to $25.00 |
| Other Fees | |
| • Replacement Card | $10.00 |
| • Expedited Card Request | $25.00 |
How We Will Calculate Your Balance: We use a method called “average daily balance” (excluding new purchases).* An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.