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Business Credit Card & Credit Reserve Disclosure

Credit Reserve
VISA® Business Credit Card
Interest Rates and Interest Charges
Interest Rate for Purchases 15.00%
14.90%
Interest Rate for Balance
Transfers
Not applicable 14.90%
Interest Rate for
Cash Advances
Not applicable 14.90%
How to Avoid Paying Interest on Purchases There is no grace period on Credit Reserve advances Your due date is at least 25 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. No grace period on cash advances.
Minimum Interest Charge None $1 for each billing period in which a finance charge is assessed.
Grace Period on Balance Transfers Not applicable There is no grace period on balance transfers.
  Fees
Annual Fee
None
Transaction Fees
None
The greater of $5 or 3% of the amount of transferred
Balance Transfer Fees
Cash Advance None
The lesser of $30 or 4% of the amount advanced ($3 minimum)
Foreign Transaction
Not applicable
2% of each transaction in U.S. dollars
Penalty Fees
Up to $20
Up to $30
Late Payment Fee
Over-the-credit-limit Fee None
$35 per month
Returned Payment Fee
Up to $20
Up to $25
Other Fees
None
$25 per card
Expedited Card Request Fee

For more information on business credit cards and credit reserve call us in Utah County at (801) 642-3456, in Salt Lake County and Davis Counties at (801) 428-1046, toll free at (888) 842-3456, or visit one of our 14 branches.

VISA® is a federally registered trademark of VISA.