Taking Care of Business

Every day - At your small business.

Is your business ready for a versatile credit card good for travel, gas, meals, ordering by phone or internet, and maintaining cash flow management? Check out this convenient, cost-effective Business Visa card and its many benefits:

  • Competitively low interest rate
  • No annual fee
  • A 25-day grace period on all purchases
  • Minimum payment is 4% of the balance or $10, which ever is greater
  • Acceptance around the world
  • Cash advances for quick funds
  • Monthly statements for simple record keeping and expense tracking
  • Multiple credit lines for multiple users
  • eStatements/online access


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.

For Credit Card Tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard

Summary of Terms Description
Annual Percentage Rate (APR) for Purchases 13.9%
Other APRs Cash advance APR: 13.9% Balance transfer APR: 13.9%
Grace Period for Repayment of Balances for Purchases 25 days
Method of Computing the Balance for Purchases Average daily balance (including new purchases)
Annual Fees None
Minimum Finance Charge None
Transaction Fee for Cash Advances None
Foreign Transaction Fee 1% of the amount of each foreign currency transaction after conversion to U.S. dollars
Late-payment Fee $20 after 10 days

This information is accurate as of 8/1/10 and is subject to change. Contact us by phone at (217) 875-2301, or if Outside Decatur 1 (800) 542-6474, or by mail at PO Box 2515, Decatur, IL 62525 for changes.