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Choose the card that
complements your business.

Two different cards means two different ways to enjoy benefits with 0% introductory APR1 on purchases and balance transfers for the first 6 billing cycles after account opening.

Compare and choose below.
Card APR and Annual Fee Reward System More Benefits

Freedom in your rewards.
0% introductory APR1 on purchases and balance transfers for the first 6 billing cycles. After that, your APR will be 12.99%, 14.99%, or 19.99%. This APR will vary with the market based on the Prime Rate.

Annual Fee: $01
Redeem points for travel, gift cards, merchandise, even cash back in the form of a credit to your account.

·5 POINTS PER $1 SPENT on qualifying business expenses (up to $25,000 during each 12 billing cycle period).2
·2 POINTS PER $1 SPENT on qualifying gas and dining transactions (up to $25,000 during each 12 billing cycle period).2
·1 POINT PER $1 SPENT on other purchases.2
Manage cash flow more easily

VISA SavingsEdge® 3

Online access to view transactions and management reports

Competitive rates.
0% introductory APR1 on purchases and balance transfers for the first 6 billing cycles. After that, your APR will be 9.99%, 12.99%, or 17.99%. This APR will vary with the market based on the Prime Rate.

Annual Fee: $01
None Manage cash flow more easily

VISA SavingsEdge® 3

Online access to view transactions and management reports
Please note the intro rates do not apply to cash advances. We reserve the right to change the account terms should your credit profile change or for other reasons described in the "Summary of Credit Terms. Required minimum payments may be allocated to the lower APRs first. Payments in excess of the required minimum payment will generally be applied to balances with highest APRs first. An introductory balance transfer fee of either $10 or 4% of the amount of each transfer, whichever is greater, for balance transfers made in the first 6 billing cycles. After that, either $10 or 5% of the amount of each balance transfer, whichever is greater. All changes in terms will be subject to the requirements of applicable law. Offer applies to new accounts only.

1 For additional information about the Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms.

2 See the Rewards Terms and Conditions in the Summary of Credit Terms for details.

3 Visa SavingsEdge is an automated discount program offered by Visa U.S.A. Inc. to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card to make qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system (a “Qualifying Purchase”). Visa may modify, restrict, limit or change the program in any way and at any time. Visa reserves the right at any time to cancel the program. Visa also reserves the right to suspend or cancel any cardholder’s participation in the program. Enrolled cardholders will only receive discounts for qualifying purchases that are in full compliance with the terms of the applicable discount offer. Discount offers may be subject to additional terms and conditions. Discount offers may be removed from the program at any time and are subject to availability. Discount offers are also subject to any applicable law or regulation that may restrict or prohibit certain sales. Discounts will not appear on a cardholder’s receipt at the point of sale. Discounts are provided in the form of credits posted to the cardholder’s applicable Visa Business card account. Please visit www.visasavingsedge.com for complete details on the program, including the program terms and conditions.

Visa® cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc®.