Competitive Rates
Zero Fraud Liability
24/7 Customer Service in the U.S.
Standard APR | Balance Transfer APR | Annual Fee |
17.99% This APR will vary with the market based on the Prime Rate.† | 17.99% This APR will vary with the market based on the Prime Rate.† | No Annual Fee |
Please see †Important Disclosures for interest rate, fee, and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.
This program is issued and administered by Citizens Alliance Bank.
This information is accurate as of December 1, 2023.
Each applicant must be at least 18 years of age.
The variable rates, the fees, and the terms are subject to change.
To find out if any rates, fees, or terms have changed, please write to:
Visa® Department at Citizens Alliance Bank, PO Box 430, Clara City, MN 56222
Member FDIC | Equal Housing Lender
Interest Rate & Interest Charges | |
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Annual Percentage Rate (APR) for Purchases: | 17.99% This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers: | 17.99% This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances: | 17.99% This APR will vary with the market based on the Prime Rate. |
Paying Interest: | Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances and balance transfers from the transaction date. |
Minimum Interest Charge: | If you are charged periodic interest, the charge will be no less than $1.50. |
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. |
Payment Information: | |
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All charges made on this Business Card are due and payable when you receive your periodic statement. |
Fees | |
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Annual Fee: | None |
Transaction Fees | |
Balance Transfer: | None |
Cash Advance: | None |
Foreign Transaction: | Up to 1.00% of each transaction in U.S. dollars. |
Penalty Fees | |
Late Fee: | Up to $15.00 |
Over-the Credit Line: | None |
Returned Payment: | None |
Other Fees | |
Pay by Phone Fee: | No charge for automated payment. $10.00 if assisted by a live representative. |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder Agreement.
We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. APRs shown here are based on a 8.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate.
When you (“you” or “your” mean the owner, officer, or partner of the Business with the authority to bind the Business) complete the Application for a Business Card loan from Citizens Alliance Bank (“Citizens Alliance Bank”, “we”, or “us”), you agree to the following: