Business Credit Card Disclosure

Interest Rates & Interest Charges	Business Rewards (1-to-1 Rewards)
Interest Rate for Purchases and Balance Transfers	17.00% This rate will vary with the market based on the Prime Rate. We add 12.00% to the Prime Rate to determine the Purchase and Balance Transfer interest rates.
Interest Rate for Cash Advances	20.00% This rate will vary with the market based on the Prime Rate. We add 15.00% to the Prime Rate to determine the Cash Advance rate.
Penalty Interest Rate and When it Applies	N/A
Paying Interest	There is no grace period on balance transfers or cash advances. Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Credit Card Fee Categories	Credit Card Fee Description	Credit Card Fee
	Annual Fee	None
	Set-Up Fee, Maintenance Fee	$8
Transaction Fees	Balance Transfer Fee	The greater of $5 or 3% of the amount transferred
Transaction Fees	Cash Advance Fee	The greater of $10 or 4% of the amount advanced
Transaction Fees	Foreign Currency Transaction Fee	2% of each transaction will be charged in U.S. dollars.
Penalty Fees	Late Payment Fee	$35
Penalty Fees	Over-the-Credit-Limit Fee	$35
Penalty Fees	Returned Payment Fee	$25
Other Fees	Rushed Credit Card Fee	$70 per card
Other Fees	Expedited Payment Fee	$10