Business Credit Card

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

Lower rate or cash back? It is your choice!

Business Cash Back Credit Card - Earn 1.5% Cash Back on Purchases¹

Business Classic Credit Card - Lowest Rate

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.

Interest Rates & Interest Charges	Business Cash Back Credit Card - Earn 1.5% Cash Back on Purchases¹	Business Classic Credit Card - Lowest Rate
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 11/18/24, Prime Rate + 9.99% =17.74%*	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.	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.
Penalty APR and When It Applies	N/A	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

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.

¹The 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 Credit Card

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