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Security Bank of Kansas City

Business Credit Card Program

Security Bank of Kansas City Mastercard® Business Credit Card Program

Manage business expenses better, with the right card for your business. With Mastercard® Business Card, you take advantage of exceptional benefits and so much more. 
Dealing with Business Your Way
You mean business, so should your card.  Design yours for the way you do business.
 
  • A card for each employee and you control the limits
  • Choose how you want to pay with individual or summary billing options - and you determine the best time of month
  • Easy-to-use online access and reporting gives you more controls
Credit Card Benefits
Mastercard® means business. With Mastercard® Business Card, take advantage of these exceptional benefits and so much more.
 
  • $100,000 Travel Accident Insurance and Baggage Delay Benefit
  • Car Rental Collision Damage Waiver
  • Extended Warranty
  • Purchase Assurance
  • Travel and Emergency Services
  • Master Legal Referral
  • Mastercard® Easy Savings
Credit Card Rewards
Earn Rewards
With Preferred Points Rewards, earn one point for every dollar spent, up to 10,000 per month. Redeem points anytime for a multitude of options. 
 
Cash Back
Go shopping, enjoy dinner or have a night on the town.
 
Travel
Treat yourself to a vacation. Free round trips, discounted airfare, hotel stays, and cruises.
 
Gift Cards, Merchandise, and More
Obtain gift cards from your favorite retailer, earn name brand merchandise or electronics. It’s your choice!
 
Free Bonus Points
Earn up to 3,000 free bonus points during the first three months. Just use your card each month! 
Interest Rates and Interest Charges
Interest Rates and Interest Charges
 

Standard Card Preferred Points Card
Annual Percentage
Rate (APR) for
Purchases 
15.99%
This APR will vary with the market based on the prime Rate 1
15.99%
This APR will vary with the market based on the prime Rate 1
APR for Balance
Transfers and
Cash Advances
15.99%
This APR will vary with the market based on the prime Rate 1
15.99%
This APR will vary with the market based on the prime Rate 1
Penalty APR and
When it Applies
20.99%
This APR will vary with the market based on the Prime Rate2. This APR may be applied if you allow your Account to become 60 days past due. How long will the Penalty apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due.
20.99%
This APR will vary with the market based on the Prime Rate2. This APR may be applied if you allow your Account to become 60 days past due. How long will the Penalty apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchased if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the
translation date. 
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchased if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the
translation date. 
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau by clicking here. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau by clicking here.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card.
Prime Rate: The APR will vary based on charges in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day fails on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of June 25, 2018, the Index was 5.00%. 
 
1 We add 10.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%.
2 We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%.
 
If at least one box at the top of the application is not checked, or, if too many boxes are inadvertently checked, you will be deemed to have selected the Standard Card with the Individual billing option. 
If you check the box to receive a Visa® Card, you understand and agree that the benefits for a Visa® Card are different that for a Mastercard® Card.
Fees

Standard Card Preferred Points Card
Annual Fee None $49 per Account
Transaction Fees - 
Balance Transfer and Cash Advance
Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater.
Transaction Fees - 
International Transaction
2% of each transaction in U.S. dollars. 2% of each transaction in U.S. dollars.
Penalty Fees - 
Late Payment
Up to $25 Up to $25
Penalty Fees - 
Returned Payment
Up to $25 Up to $25
 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card.
Prime Rate: The APR will vary based on charges in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day fails on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of June 25, 2018, the Index was 5.00%. 
 
1 We add 10.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%.
2 We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%.
 
If at least one box at the top of the application is not checked, or, if too many boxes are inadvertently checked, you will be deemed to have selected the Standard Card with the Individual billing option. 
If you check the box to receive a Visa® Card, you understand and agree that the benefits for a Visa® Card are different that for a Mastercard® Card.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Access Your Credit Card Information & View / Redeem Reward Points
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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