Visa® Business Credit Card
As your business plans for growth, our Visa Business Credit Card can help you maximize your business' credit line while taking advantage of the rewards of banking with your community bank. Whether your business is composed of one employee with a card or you need several cards, the tools offered to help you manage those cards are at your fingertips.
Visa® Business Cash Rewards Card
Our Visa Business Cash Rewards Card offers:
No annual fee
An interest rate that is consistent with purchases, cash advances, and balance transfers
Security features that protect your business against unauthorized purchases
Acceptance at merchants and ATMs around the world
An online card management tool that allows you to:
Order new cards
Increase and decrease spending limits assigned to each card
Download your transactions directly to QuickBooks®
Earn uChoose Rewards® for purchases made using your Visa Business Cash Rewards Card. With every dollar you spend, you'll earn one and a half (1.5) bonus points. Points can be redeemed for merchandise, gift cards, travel, or even cash
To begin the application process, you will need your Social Security Number (SSN) or Tax Identification Number (TIN), date of birth (must be 18 years of age or older), person(s) authorized to borrow money on behalf of your business, financial information for your business, valid physical address in South Carolina, North Carolina, or Georgia
Terms & Conditions
| Item | Interest Rates and Interest Charges |
|---|---|
| Annual Percentage Rate (APR)¹ for Purchases | 17.40% This APR¹ will vary with the market based on the Prime Rate.³ |
| APR for Balance Transfers | 17.40% This APR¹ will vary with the market based on the Prime Rate.³ |
| APR for Cash Advances | 17.40% This APR¹ will vary with the market based on the Prime Rate.³ ⁵ |
| Penalty APR² and When It Applies | 22.90% This APR² will vary with the market based on the Prime Rate.⁴ ⁵ This APR may be applied to your account if your account is 60 days or more past due. How long will the Penalty APR Apply? The Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period. |
| How to Avoid Paying Interest on Purchases/ Paying Interest | 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. |
| Minimum Interest Charge | None |
| Item | Fees |
|---|---|
| Annual Fee | None |
| Balance Transfer | None |
| Cash Advance | Either $5.00 or 3.00% of the amount of each cash advance, whichever is greater (maximum fee $50.00). |
| Foreign Transaction | 2.00% of each transaction in U.S. dollars |
| Late Payment | $25.00 |
| Over-the-Credit-Limit | $25.00 |
| Returned Payment | None |
1. APR is determined by adding 9.90% to the Prime Rate as published under the "Money Rates" table in The Wall Street Journal on the
10th day of the month. If the 10th day of the month is not a business day, then the first business day following the 10th day of that
month. The APR will not exceed 22.90%
2. APR is determined by adding 16.90% to the Prime Rate as published under the "Money Rates" table in The Wall Street Journal on the
10th day of the month. If the 10th day of the month is not a business day, then the first business day following the 10th day of that
month. The APR will not exceed 22.90%
3. Daily Periodic Rate .04767%
4. Daily Periodic Rate .06274%
5. Interest charges on cash advances begin to accrue on the day you obtain the cash advance or the first day of the billing cycle in which it
is posted to your account, whichever is later.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
The information about cost of the cards described in this disclosure is accurate as of February 8, 2025. This information may have changed
after that date. To find what may have changed, please call (864) 834-9031 or write: Bank of Travelers Rest, P.O. Box 1067, Travelers
Rest, SC 29690
By applying you certify that you have read and understand the terms & conditions
Visa® Business Rewards Card
Our Visa Business Rewards Card offers:
No annual fee
An interest rate that is consistent with purchases, cash advances, and balance transfers
Security features that protect your business against unauthorized purchases
Acceptance at merchants and ATMs around the world
An online card management tool that allows you to:
Order new cards
Increase and decrease spending limits assigned to each card
Download your transactions directly to QuickBooks®
Earn uChoose Rewards® for purchases made using your Visa Business Rewards Card. With every dollar you spend, you'll earn one bonus point. Points can be redeemed for merchandise, gift cards, and travel
To begin the application process, you will need your Social Security Number (SSN) or Tax Identification Number (TIN), date of birth (must be 18 years of age or older), person(s) authorized to borrow money on behalf of your business, financial information for your business, valid physical address in South Carolina, North Carolina or Georgia
Terms & Conditions
| Item | Rate or Charge |
|---|---|
| Annual Percentage Rate (APR)¹ for Purchases | 11.40% This APR¹ will vary with the market based on the Prime Rate.³ |
| APR for Balance Transfers | 11.40% This APR¹ will vary with the market based on the Prime Rate.³ |
| APR for Cash Advances | 11.40% This APR¹ will vary with the market based on the Prime Rate.³ ⁵ |
| Penalty APR² and When It Applies | 18.40% This APR² will vary with the market based on the Prime Rate.⁴ ⁵ This APR may be applied to your account if your account is 60 days or more past due. How long will the Penalty APR Apply? The Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period. |
| How to Avoid Paying Interest on Purchases/ Paying Interest | 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. |
| Minimum Interest Charge | None |
| Item | Fees |
|---|---|
| Annual Fee | None |
| Balance Transfer | None |
| Cash Advance | Either $5.00 or 3.00% of the amount of each cash advance, whichever is greater (maximum fee $50.00). |
| Foreign Transaction | 2.00% of each transaction in U.S. dollars |
| Late Payment | $25.50 |
| Over-the-Credit-Limit | $25.50 |
| Returned Payment | None |
1. APR is determined by adding 3.90% to the Prime Rate as published under the "Money Rates" table in The Wall Street Journal on the
10th day of the month. If the 10th day of the month is not a business day, then the first business day following the 10th day of that
month. The APR will not exceed 22.90%
2. APR is determined by adding 10.90% to the Prime Rate as published under the "Money Rates" table in The Wall Street Journal on the
10th day of the month. If the 10th day of the month is not a business day, then the first business day following the 10th day of that
month. The APR will not exceed 22.90%
3. Daily Periodic Rate .03123%
4. Daily Periodic Rate .05041%
5. Interest charges on cash advances begin to accrue on the day you obtain the cash advance or the first day of the billing cycle in which it
is posted to your account, whichever is later.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
The information about cost of the cards described in this disclosure is accurate as of February 8, 2025. This information may have
changed after that date. To find what may have changed, please call (864) 834-9031 or write: Bank of Travelers Rest, P.O. Box 1067,
Travelers Rest, SC 29690
By applying you certify that you have read and understand the terms & conditions
Questions?
If you have questions about our Visa Business Rewards Card or Visa Business Cash Rewards Card, you may contact us or stop by your local branch. We can discuss the benefits of having a card recognized worldwide but serviced right in Travelers Rest!
Already a Visa Business Rewards Card or Visa Business Cash Rewards Card customer and need to reach uChoose Rewards Customer Service Center? Simply dial (855) 235-4789.
Visa is a registered trademark of Visa International Service Association. Intuit and QuickBooks are registered trademarks of Intuit®. uChoose Rewards is registered trademark of Fiserv, Inc.