Business Credit Card

Explore the benefits of both Security Federal Bank Business Credit Cards.
Man making digital payment
Lower rate or cash back? It is your choice!
Our versatile business credit cards offer cashback rewards and low-rate options, all designed to empower your business finances with tailored flexibility. Learn about our curated selection of features and benefits, carefully crafted to optimize your financial strategy and provide the purchasing power your company needs to thrive.
Business Cash Back Credit Card - Earn 1.5% Cash Back on Purchases1

Annual Percentage Rate (APR) for purchases and cash advances will vary with the market based on the Prime Rate2, but will not exceed the maximum rate of 18.00%.
Rate = Prime Rate2 + 9.99%
 
On 7/31/2023, APR = 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.

Minimum Interest Charge or Payment: 
If you are charged interest, the charge will be no less than $1.50.

Penalty APR and When It Applies:
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.

Business Classic Credit Card - Lowest Rate

Annual Percentage Rate (APR) for Purchases and Cash Advances
9.99% Fixed

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.
 
Minimum Interest Charge or Payment:
If you are charged interest, the charge will be no less than $1.50.
 
Penalty APR and When It Applies:
N/A

Business Classic and Business Cash Back Credit Card Fees
Cash Advance Fee:
$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
Late Payment Fee:
Up to $25.00
Returned Payment Fee:
Up to $30.00
Other Fees:
N/A
Annual Fee:
N/A
Over-the-Credit-Limit Fee:
N/A
Manage Cards Through the eZBusiness Card Management System


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.