The Buying Power Your Business Needs
A Business VISA credit card from FBCO features both a low introductory rate and low ongoing APR on purchases and balance transfers to give you the control and buying power you need. It can be used at millions of locations worldwide in stores or online.
Get more from your business purchases with an FBCO VISA card featuring:
Low interest rates
Multiple layers of security
Loadable into mobile wallets
Compare Your Options
| Platinum Card | ScoreCard Rewards Card | |
|---|---|---|
| Annual Percentage Rate (APR) for Purchases | Prime plus 6% after introductory rate.a | Prime plus 6% after introductory rate.a |
| APR for Balance Transfers and Cash Advances | Prime plus 6% after introductory rate.a | Prime plus 6% after introductory rate.a |
| Introductory APR | Equal to Prime for the first six months.a | Equal to Prime for the first six months.a |
| Grace Period | Credit Card Purchases: 25 days from the end of the billing period. Cash Advances: None. | Credit Card Purchases: 25 days from the end of the billing period. Cash Advances: None. |
| Annual Fee | $15, if less than $5,000 in purchases are made within the 12 month period. | $25 |
| Transaction Fees | Cash Advances: 2% of amount obtained with a $2 minimum and $20 maximum. Foreign Transactions: 1% of transaction amount. | Cash Advances: 2% of amount obtained with a $2 minimum and $20 maximum. Foreign Transactions: 1% of transaction amount. |
| Penalty Fees | Late Payment Fee: $5 or 5% of balance, whichever is greater. Over-Limit Fee: $15 | Late Payment Fee: $5 or 5% of balance, whichever is greater. Over-Limit Fee: $15 |
| Pay-by-Phone Fee | $10 for agent assisted payments. | $10 for agent assisted payments. |
| Rewards | None. | Cardholder earns one point for every net dollar spent. Redeemable for merchandise and travel (no blackout dates). See www.scorecardrewards.com for more details. |
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details.
aPrime Rate: The introductory APR is based upon the highest Prime Rate in the Wall Street Journal, Midwest Edition, published and in effect on the 1st calendar day following each quarter end. Any change in the APR will correspondingly take effect on the 15th calendar day following the quarter end. Following the introductory period the APR each quarter is determined by adding 6% percentage points to the highest Prime Rate published by the Wall Street Journal, Midwest Edition, on the 1st calendar day following each quarter end, effective on the 15th day. Information is accurate as of May 1, 2020. To find out if any changes have occurred, call us at (800) 752-8140 or (952) 885-9455.
