Business Credit Cards :: Business Accounts :: Rates

Tools

BUSINESS VISA CREDIT CARD RATES

More Info | Download / Print Application as PDF| VISA Cardholder Agreement & Initial Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases	3.99% introductory APR for the first 6 months after account opening. After that, your APR will be 9.99% to 15.99%, based on your creditworthiness.
Annual Percentage Rate (APR) for Balance Transfers	3.99% introductory APR for the first 6 months after account opening. After that, your APR will be 9.99% to 15.99%, based on your creditworthiness.
Annual Percentage Rate (APR) for Cash Advances	3.99% introductory APR for the first 6 months after account opening. After that, your APR will be 9.99% to 15.99%, based on your creditworthiness.
Penalty APR and When it Applies	None
How to Avoid Paying Interest on Purchases	Your due date is 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. Cash Advances and Balance Transfers are always subject to interest charges from the date they are posted to your account.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $.50
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: http://www.federalreserve.gov/creditcard

Fees

Annual Fee	None
Maintenance Fee	None
Transaction Fees Balance Transfer Cash Advance International Transaction	None 2.00% of transaction or $5 minimum; $50 maximum With currency conversion - 1.00% of the amount of your transaction in U.S. Dollars Without currency conversion - 0.8% of the amount of your transaction in U.S. Dollars
Penalty Fees Late Payment Returned Payment	$27 $27

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
The information on this form is accurate as of December 1, 2010 and is subject to change. To find out if any of this information has changed since that date, call us at 1-877-604-5328 or write to Jeanne D'Arc Credit Union, 658 Merrimack Street, Lowell, MA 01854.

Demo | New User