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Business Edition® Secured Visa® Card

Business Edition Secured Visa Card art

Business Edition® Secured® Visa Card

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Summary of Credit TermsDeposit Account Disclosure

Account Summary

  • Request your own credit limit2 between $2,000 and $100,000 (multiples of $50), when you apply, subject to credit approval.
  • 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.
  • $39 annual fee1
  • Earn interest on your security deposit.3
  • Variable 19.49% APR1 on purchases and balance transfers based on the Prime Rate.
  • Get automatic rebates4, with Visa SavingsEdge® on purchases you make at qualified merchants.
  • U.S. citizenship is not required, but you must have a valid SSN or ITIN and a valid U.S. address.
  • Online access to view transactions, pay your bill, view up to seven years of prior statements and more!

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.


Additional Features5

Automatic Discounts

See qualifying purchases with Visa SavingsEdge®.4

Visa® Zero Liability Policy6

You won't be held accountable should unauthorized charges appear.

Cell Phone Protection7

Receive automatic coverage, at no additional cost, when you pay your monthly cell phone bill with your Visa business card.

Free 24/7 Online Access

Mange your account, view transaction activity and history, pay your bill, set up alerts and more.

Free Management Reports

Track expenses, monitor spending, spot tax deductions, prepare tax filings and forecast expenses with ease.

Cash Flow Management

Flexibility to cover the cost of supplies, equipment, travel and more.

Added Security

Enjoy fraud protection, extended warranties, travel accident insurance and identity theft protection.

Important Information

For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms.

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.

See the Deposit Agreement available when you apply for details.

4 Discounts are provided in the form of credits posted to your account.  See Visa SavingsEdge for more details.

5 Complete details Including restrictions, limitations, and exclusions will be available when you become a Cardmember.

Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security

7 Protection covers the primary line and up to the first four secondary lines listed on your statement against damage and theft; with up to $1,000 per 12-month period, or $600 per claim (subject to a $50 deductible).

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 and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license.