Business Credit Card

Explore the benefits of both Security Federal Bank Business Credit Cards.

Lower rate or cash back? It is your choice!

Interest Rates and Interest Charges	Business Classic Credit Card	Business Cash Back Credit Card
Benefit	Lowest Rate	1.5% Cash Back on Purchases¹
Annual Percentage Rate (APR) for Purchases	9.99% Fixed	Prime Rate² + 9.99% On 7/31/2023, Prime Rate + 9.99% 18.00%* *The APR will vary with the market based on the Prime Rate,²but will not exceed the maximum rate of 18.00%.
How to Avoid Paying Interest on Purchases	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. We will begin charging interest on cash advances and balance transfers on the transaction date.	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. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge or Payment	If you are charged interest, the charge will be no less than $1.50.	If you are charged interest, the charge will be no less than $1.50.
APR for Cash Advances	9.99% Fixed	Prime Rate² + 9.99% On 7/31/2023, Prime Rate + 9.99% 18.00%* *The APR will vary with the market based on the Prime Rate,²but will not exceed the maximum rate of 18.00%.
Penalty APR and When It Applies	N/A	N/A

Fees	Business Classic Credit Card	Business Cash Back Credit Card
Cash Advance Fee	$10.00 or 5.0% of the amount advanced. Maximum fee of $50.00 per advance	$10.00 or 5.0% of the amount advanced. Maximum fee of $50.00 per advance
Foreign Transaction Fee	Up to 1.1% of the transaction	Up to 1.1% of the transaction
Late Payment Fee	Up to $25.00	Up to $25.00
Returned Payment Fee	Up to $30.00	Up to $30.00
Other Fees	N/A	N/A
Annual Fee	N/A	N/A
Over-the-Credit-Limit Fee	N/A	N/A

¹Cardholders earn 1.5% cash back on net purchases (purchase minus any credits or returns) only. Purchases do not include balance transfers, cash advances, ATM transactions, convenience checks, disputed or unauthorized purchases or fraudulent transactions, Card Account fees and finance charges. Cash Back Rewards will be posted to cardholders account as a statement credit. Account must be open and in good standing prior to receiving cash back statement credit.

²The prime rate used to determine your APR is the rate published in the Wall Street Journal on the last day of the prior month.

Manage Cards Through the eZBusiness Card Management System

eZ Business Mgmt

Company Admins can manage credit cards 24/7

Delete and add new cardholders within the established credit limit for your company
Activate and deactivate plastics (access devices/individual credit cards)
Manage and restrict spending on individual cards
Make payments online
Dispute transactions online
Request replacement cards, and
Generate custom reports

Card holders can access statements, transactions and balances here.

Business Credit Card

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