Business Edition® Secured Visa® Card


For People with
Bad Credit

REVIEWS

Reviews

The Business Edition Secured Visa Card provides small to medium-sized business owners with a way to fund their business, even with poor or bad credit.

This is a secured credit card, which means it requires a security deposit when you’re approved. You can request your own credit limit (subject to credit approval) between $2,000 and $100,000, and your security deposit must be equal to 110% of your requested limit.

You won’t earn any rewards with this card, but there are a few extra benefits and you’ll actually be able to earn interest on your security deposit. This card is meant to help build your credit, and if you use it responsibly you’ll have a chance to improve your scores and eventually qualify for more rewarding options.

There is a $39 annual fee for this card, but no monthly fees.

Card Quick Facts

Card Quick Facts

  • Request your own credit line between $2,000 and $100,000 (subject to credit approval)
  • Provide a security deposit of 110% of your requested limit
  • Visa SavingsEdge® gives you automatic rebates for purchases at qualified merchants
  • Earn interest on your security deposit
  • $39 annual fee

For People with
Bad Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $39
Additional Cards Annual Fee -
Regular Purchase APR 20.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit $2,000
Maximum Credit Limit $100,000
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 20.24% Variable
Balance Transfer Fee 5%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.49% Variable
Cash Advance Fee 5%, $15 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Cell Phone Protection

    When you pay your cell phone bill with your card each month, you’ll be protected for the next calendar month so you can be reimbursed if your phone is stolen or damaged, at no additional cost.

  • Earn Interest

    Your security deposit will accrue interest over time.

  • Visa SavingsEdge® Rebates

    Get automatic rebates on purchases at qualified merchants.

  • Hotel Discount Program

    Get up to 60% off at over 11,000 hotels and resorts around the world.

  • Zero Liability

    You won’t be held responsible for unauthorized transactions made with your Visa card. You’re covered if your card is ever lost, stolen or fraudulently used.

  • Purchase Security

    Provides automatic protection against damage and theft for eligible purchases f0r 90 days.

  • Extended Warranty

    Doubles the original manufacturer’s warranty on eligible products, up to one full year on warranties of three years or less.

  • Travel Accident Insurance

    You’re covered up to $100,000 for accidents that may occur while traveling.

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