Variable 19.99% Annual Percentage Rate (APR)1 on purchases based on the Prime Rate.
Request your own credit limit2 between $2,000 and $100,000 (multiples of $50) when you apply, subject to credit approval.
Required security deposit is 110%2 of the amount of your credit limit, between $2,200 and $110,000 (multiples of $50), subject to credit approval.
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.
1 For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms. Your minimum payment will be applied to balances starting with the lowest APR first. Amounts paid in excess of the minimum payment will be applied to balances starting with the highest APR first. 2 You may only charge up to your approved credit limit, which will be less than the deposit you provide. The amount of your security deposit is 110% of the amount of your credit limit. Your security deposit may not be refundable if your account is in default. Deposit is held by First National Bank, Member FDIC.
Easily make last minute orders on the supplies and materials you need, stay on top of employee purchases and better manage your cash flow with a credit card designed to help your company grow.
Thinking about applying for a credit card for your small business? Our cards give you:
A safety net for unexpected expenses.
Ability to establish credit history while your company grows.
A way to meet expenses during off-seasons.
Purchase Protection against theft and damage for the first 90 days after your completed transaction.
With all TCF Small Business Visa Credit Cards you can:
Access free management reports for easier expense tracking, simplified tax paperwork prep and monthly forecasting.
Access your transaction history and payment information anytime through your credit card account.
Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from VISA U.S.A. Inc. VISA is a registered trademark of Visa International Service Association and used under license.
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Your credit limit of $2,000 to $100,000 is determined by the amount of your security deposit. A security deposit is required to obtain a Secured Credit Card. The amount of your security deposit is 110% of the amount of your credit limit. The security deposit amount must be at least $2,200, at most $110,000, and in $50 increments.
The Index used to determine your variable APRs is the highest U.S. Prime Rate as published in the "Money Rates" section of The Wall Street Journal during the 90 days immediately preceding the last day of each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the May determination date.
Your credit limit is the amount you deposit, and you can increase it by adding more money to your deposit.
Purchase Security and Extended Protection automatically protect many new retail purchases that you make with your eligible Visa Business card. The benefits—available at no additional charge—protect your eligible purchases in two ways:
Purchase Security covers eligible items of personal property purchased entirely with your Visa Business card from theft or damage for the first ninety (90) days after purchase. Purchase Security will, at the Benefit Administrator’s discretion, replace, repair or reimburse you up to the original purchase price, not exceeding a maximum of ten thousand dollars ($10,000.00) per claim and fifty thousand dollars ($50,000.00) per cardholder.
Extended Protection doubles the time period of the original manufacturer’s written U.S. warranty up to one (1) additional year on warranties of three (3) years or less up to a maximum of ten thousand dollars ($10,000.00) per claim and fifty thousand dollars ($50,000.00) per cardholder.
Who is eligible for these benefits?
You are eligible if you are a valid cardholder of an eligible Visa Business card issued in the United States.
Complete details including restrictions, limitations, and exclusions will be available when you apply and become a cardmember. Benefit applies to Small Business credit cards only.