Unlock limitless possibilities for your business with a Business Visa® Credit Card to provide the support you need to fuel your ambitions and empower your ventures.
WHAT YOU GET
Manage your finances and track business spending, all on one reliable card.
No Annual Fee
You won't have to pay an annual fee for all the benefits that come with your Azura Business Visa Card.
Great Rates
Make the most of your business transactions with competitive rates.
Reliable Support
Get your staff the tools they need to get the job done onsite, online or on-the-go!
Tracking
Manage and track your business expenses with flexible tools tailored for your business.
Getting Started is Easy!
Schedule an appointment and we'll be ready when you are.
Or, you can submit an interest form to connect with our Business Specialists.
Why Get a Business Credit Card?
No matter how big or small your business is, keeping your finances separate from your personal accounts is essential. With a Business Credit Card, you'll be able to:
- Keep business charges off your personal credit report
- Keep expenses separate
- Make tax expenses easier to find in one place
- Enjoy favorable rates
What’s the Difference Between a Small Business Credit Card and a Personal Credit Card?
When considering a small business credit card versus a personal card, there are several key differences to keep in mind:
- Spending Power and Credit Limit
- A business credit card typically offers higher spending limits than personal cards. The credit limit is determined based on your personal creditworthiness and the financial health of your business.
- Personal credit cards usually have lower credit limits since they're primarily based on your individual credit score and income.
- Bookkeeping and Expense Tracking:
- Using a business credit card lets you keep all your business-related expenses in one place. This streamlined approach can simplify bookkeeping and make it easier to track business expenditures during tax season.
- Mixing personal and business expenses on a personal credit card can make it challenging to separate and categorize business-related costs when managing your finances.
- Liability and Consumer Protections:
- Business credit cards may offer limited liability protection for unauthorized charges but generally have fewer consumer protections than personal credit cards. The liability for fraudulent charges might rest more on the business owner's shoulders.
- Personal credit cards benefit from the strong consumer protections provided under the Credit Card Act of 2009. This law safeguards against unauthorized charges and billing errors, giving individuals more peace of mind.
It's essential to weigh these differences carefully and consider your business's needs and financial situation. For many small business owners, a dedicated business credit card is often a more practical and beneficial option, providing distinct advantages in terms of financial management and potential credit-building opportunities.
Business Visa Credit Card - Variable Rate
Effective Date: Wednesday, October 30, 2024
| TYPE | RATE |
|---|---|
| Standard Rate | 14.99% |
| Penalty Rate | 18.99% |
Subject to credit approval.
*APR=Annual Percentage Rate
Business Visa Credit Card Disclosure
| Variable Rate for Purchases | 14.99%, when you open your account, based on creditworthiness. Interest Rate will vary with the market based on the Prime Rate. |
| Variable Rate for Cash Advance | 14.99%, when you open your account, based on creditworthiness. Interest Rate will vary with the market based on the Prime Rate. |
| Variable Rate for Balance Transfers | 14.99%, when you open your account, based on creditworthiness. Interest Rate will vary with the market based on the Prime Rate. Interest charges will be calculated and will accrue according to the same method as purchases. |
| Penalty Rate | 18.99%, when you open your account, based on creditworthiness. Interest Rate will vary with the market based on the Prime Rate. |
| 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 an interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Payment | Your monthly payment will be 2.50% of your total new balance, or $20.00, whichever is greater plus outstanding unpaid fees and charges, all prior unpaid payments and any amount that exceeds your credit limit. |
Business Visa Credit Card Fees
Transaction Fees |
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Penalty Fees |
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Membership Benefits
Member Discounts
Financial Wellness
