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

Lower rate or cash back? It is your choice!

Online Admin Controls

Digital Wallet Compatible

Easily Activate and Deactivate Cards
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 |
On 7/31/2023, Prime Rate + 9.99% = 18.49%.
This APR will vary with the market based on the Prime Rate.2
|
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 |
On 7/31/2023, Prime Rate + 9.99% = 18.49%.
This APR will vary with the market based on the Prime Rate.2
|
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
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.
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