MAXIMIZE BUSINESS ADVANTAGE
EVERYWHERE YOUR COMPANY GOES!

Our Business Advantage cards save you time, money and make it easy to keep track of expenses. As with any Visa or MasterCard, the Business Advantage card means worldwide acceptance.

Business Advantage is a financial and cash management tool. It can be used to pay for everything from office supplies to airline tickets, hotel stays, car rentals and much more. If you choose the Visa Business Card Option, you will earn points toward valuable Visa Extras rewards while shopping, dining, traveling or entertaining for your business.

Detailed monthly, quarterly or annual management information system report options let you consolidate your spending according to the merchants you use. This lets you negotiate more favorable travel and entertainment rates from hotels and car rental companies, track all business-related expenses and simplify your tax preparation.

  • Revolving Balance Option 
  •  Low Variable Annual Percentage Rate
  •  Automatic Payment/Webpay Options
  •  Visa Business Card
    •  No Annual Fee Option
    •  Earn Visa Extras rewards
    •  No Grace Period Option
  •  MasterCard Business Card
    •  Interest-Free Grace Period
    •  Minimal Annual Fees
  •  Payment Options (Consolidated/Individual Pay)
  •  Individualized Cards and Spending Limits
  •  Auto Rental Insurance
 
BENEFITS OFFERED - OPTIONS:
CONSOLIDATED PAY INDIVIDUAL PAY
  •  Business writes one check to pay account regardless of the number of cardholders
  •  All accounts roll to umbrella account at month-end
  •  All cards have different account numbers and credit lines
  •  Business receives one statement
  • Transactions broken down by cardholder
  •  Business or employee of the business writes a separate check to pay each account
  •  All account numbers are tied together through same numbering scheme
  •  All cards have different account numbers and credit lines
  •  Statements issued for each cardholder
  • Transactions broken down by cardholder

Busiess Card Options:

(Call 800-854-7642 for an explanation of the options)

Mastercard
* Visa - Annual Fee
** Visa - No Annual Fee
With Visa Extras Rewards
ANNUAL PERCENTAGE RATE
(includes purchases, cash advances and balance transfers)
11.90%
9.90%
VARIABLE
RATE
INFORMATION		 Your annual percentage rate (APR) may vary. The rate is determined by adding a margin of 7.9% to the Prime Rate as published in The Wall Street Journal on the third Thursday of each month. Your annual percentage rate (APR) may vary. The rate is determined by adding a margin of 5.9% to the Prime Rate as published in The Wall Street Journal on the third Thursday of each month.
GRACE PERIOD
FOR REPAYMENT
OF BALANCES		 25 Days on purchases only. No grace period on cash advances * 25 Days on purchases only,
** No Grace Period
ANNUAL FEE $30 for up to 3 cards, $10 each additional card * $29 per card, ** None
METHOD OF
COMPUTING
THE BALANCE		 Average Daily Balance (including new purchases and cash advances) Average Daily Balance (including new purchases and cash advances)
ADDITIONAL FEES Late Payment Fee: $29,
Over Credit Limit Fee: $29
Cash Advance Fee: 3%
or $5.00 minimum.
Returned Check, ACH or
Autopay Fee: $29.00
 Late Payment Fee: $29,
Over Credit Limit Fee: $29
Cash Advance Fee: 3% or
$5.00 minimum.
Returned Check, ACH or
Autopay Fee: $29.00

The terms and conditions described above are accurate as of 06/01/06. This information may change after that date. To find out what may have changed, call us at (770) 805-2174 or (800) 854-7642. Written inquiries should be sent to BankCard Center, P.O. Box 674824, Marietta, GA 30006-0005.

Simplify your credit card payment process. Eliminate check writing, postage and mailing of your payment each month by making your payment electronically from an account you predetermine. Pay monthly minimum, balance in full or a designated amount- you decide.