VISA® Business

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.