Get a Biz Credit Card

Annual Percentage Rate (APR) for Purchases and Balance Transfers

7.99%; however, for Balance Transfers only, introductory 0% for the first fifteen billing cycles from the date your account is opened.

Other APRs

Cash Advances: 7.99% or 19.99%. Default: The higher of the account APR plus 3%, or Prime plus a Default Margin of 21.74%.

Variable or Fixed Rates. Advanta account rates can be fixed rates, or they can be variable rates consisting of a Variable Rate Index plus margins. Your account rate for Purchases and Balance Transfers will be a fixed 7.99%. Your account rate for cash transactions will be either a fixed 7.99% or a fixed 19.99%, based on our assessment of your credit history and creditworthiness. Your Default rate can be either a fixed or a variable rate. Your Variable Rate Index for any billing cycle will be chosen by us from among the Prime Rates published in The Wall Street Journal's "Money Rates" section during the three (3) months prior to the month which contains that cycle's Billing Cycle Closing Date, but will not be less than 6.25%. Any rate applicable to any component of your account, including any Default rate, will be applied throughout the entire billing cycle which contains the effective date of that rate, and will apply to previous balances as well as new transactions and charges.

Credit Limit

Up to $50,000 can be offered depending on credit worthiness.

Grace Period for New Purchases

At least 20 days from statement closing date, if new balance is paid in full in the manner and by the time of day on its due date as shown on statement.

Annual Fee

None.

Minimum Finance Charge

If any finance charge is applicable: $1.

Rewards

Choose from two options when you apply for the Advanta Business Card:

Cash Back. Earn 5% Cash Back on gasoline, office supplies, utilities, ground transportation, computer equipment, courier services, cell phones and Internet services, and 1% on all other purchases (make sure to verify cash back rewards, as program details may change).

Travel and Business Rewards (optional program with low $35 annual program fee). Earn 1 point for every 1 dollar spent on business purchases.  No limit to the number of points you can earn. Redeem for as few as 7,500 points with no redemption fees. Redeem for free airline travel with no blackout dates, gift certificates, merchandise, and more. Access exciting “Feature of the Month” items on Advanta.com.  

Transaction Fees for Cash Advances and Balance Transfers

Cash Advances other than Convenience Checks: 3% (minimum $5); Convenience Check Cash Advances: 3% (minimum $5; maximum $50).
Balance Transfers: 3% (minimum $5; maximum $50 with this introductory offer).

Other Fees

Late Payment Fee: $15 to $39 based on balance. Overlimit Fee: $15 to $39 based on balance. Returned Payment Fee: $29. Dishonored Convenience Check Fee: $29. Convenience Check Stop Payment Fee: $29. Balance Transfer Cancellation Fee: $29. Bank Wire Payment Fee: $15. Foreign Transaction Fee: 3%. Annual Program Fee: $35 if you select the Business Rewards program.

Other Features and Options

Customized. Choose Your Business Card Design Customized With Your Business Name. Also get customized business checks.

Payment Date. Select Your Payment Due Date - Simply call the toll-free number that comes with your new card to select the week your payment is due.

Online Services. Free Online Bill Payment - Save time and money by making payments to your Advanta account online. Online Statements and Management Reports. Online Account Access to Help You Manage Your Account - Request Credit Line Increases; Add Cardholders; Request Balance Transfers; Update Account Information.

Complimentary Business Services. Free Primary Vehicle Rental Insurance. Automatic Theft and Damage Protection. Extended Warranty Coverage. 

Special Savings On Business Products and Services. Enjoy discounts of up to 25% or more through our preferred arrangements with the following companies and others!: Penny-Wise Office Products. Palo Alto Software. IBM. Ramada Inn.

One account to handle all your business credit needs.