Pricing & Terms

Please take a moment to carefully review the Pricing & Terms below.

Pricing Information

Interest Rates and Interest Charges
Purchase Annual Percentage Rate (APR)	14.24%. This APR will vary with the market based on the Prime Rate.^a
Balance Transfer APR	14.24%. This APR will vary with the market based on the Prime Rate.^a
Cash Advance APR	19.24%. This APR will vary with the market based on the Prime Rate.^b
Overdraft Advance APR	19.24%. This APR will vary with the market based on the Prime Rate.^b
Default APR and When It Applies	29.99%. This APR will vary with the market based on the Prime Rate.^c
Default APR and When It Applies	The Default APR will be applicable to your Account if you: fail to make any Minimum Payment by the date and time due (late payment); make a payment to us that is returned unpaid; or do any of the above or exceed your credit limit on another account or loan you have with us or any of our related banks. How Long Will the Default APR Apply: If an APR is increased for any of these reasons, the Default APR will apply indefinitely to all outstanding balances and future transactions on your Account.
Grace Period	Your due date will be a minimum of 20 days after the close of each billing cycle. We will not charge you periodic interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers, cash advances, and overdraft advances on the transaction date.
Minimum Interest Charge	None

Fees
Annual Membership Fee	$0 Intro fee for the first year. After that, $95; each additional card: $25 per year.
Transaction Fees
Balance Transfers	Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advances	Either $10 or 3% of the amount of each transaction, whichever is greater.
Foreign Transactions	3% of each transaction in U.S. dollars.
Penalty Fees
Late Payment	$15 if the balance is less than $100; $29 if the balance is $100 or more, but less than $250; and $39 if the balance is $250 or more.
Return Payment	$39
Return Check	$39

Note: This account may not be eligible for balance transfers.

How We Will Calculate Your Balance: We use the daily balance method (including new transactions).

Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 2/22/2010.

^aWe add 10.99% to the Prime Rate to determine the Purchase/Balance Transfer APR.

^bWe add 15.99% to the Prime Rate to determine the Cash/Overdraft Advance APR.

^cWe add 26.99% to the Prime Rate to determine the Default APR. Maximum APR 29.99%.

TERMS & CONDITIONS

Authorization: When you ("you", "your" means the owner, officer, or partner of the company with the authority to bind the company to the terms & conditions of this offer and the Business Card Agreement, and who is agreeing to the terms on their own behalf and that of the company) respond to this credit card offer from Chase Bank USA, N.A., a subsidiary of JPMorgan Chase & Co. ("Chase", "we", or "us"), you agree to the following:

You authorize us to obtain credit bureau reports that we will use when considering your application for credit. You also authorize us to obtain credit bureau reports and any other information about you in connection with: 1) extensions of credit on your account; 2) the administration, review or collection of your account; and 3) offering you enhanced or additional products and services. If you ask, we will tell you the name and address of the credit bureau from which we obtained a report about you.
If an account is opened, you will receive a Business Card Agreement with your card(s). You agree to the terms of this agreement by: using the account or any card, authorizing their use, or making any payment on the account.
To service and manage any of your account(s), we, our representatives, JPMorgan Chase Bank, N.A. representatives, and/or affiliates, may contact you at any telephone number you provide or any number where we believe we may reach you. This may include calls or text messages to mobile, cellular, or similar devices, and calls or text messages using automatic telephone dialing systems and/or prerecorded messages. You agree that if you provide us with an employee cell number, that employee has read and agreed to this provision.
You authorize us to allocate your payments and credits in a way that is most favorable to or convenient for us. For example, you authorize us to apply your payments and credits to balances with lower APRs (such as promotional APRs) before balances with higher APRs.
Rates, fees, and terms may change: We have the right to change the account terms (including the APRs) in accordance with your Business Card Agreement.
You also certify you have the authority to permit us to issue your credit card containing the Company name if completed on the form.

Individual and Company Liability: You understand that by responding to this offer you agree to be personally responsible, both individually and jointly with the Company, for payment of all balances incurred on all cards and accounts issued pursuant to this application now or whenever such additional accounts may be established in the future. You understand that if you leave the employment of the Company, you will continue to be responsible for the outstanding balances on the accounts. You must notify us immediately to close the accounts and prevent further usage.

Before we approve you for a credit card, we will review your credit report, the Company's financial information, and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may not receive a card. We may request additional information for a credit access line above $25,000.

If an account is approved, all cardmembers will have access to 100% of the approved credit access line and any amount over the credit access line that we authorize. If you would like to set spending limits on any cardmembers, please contact our Cardmember Service Department after the account has been opened. By becoming a Visa Business Card cardmember, you agree that the card is being used only for business purposes and that the card is being issued to a public or private company including a sole proprietor or employees or contractors of an organization.

You must be at least 18 years old to qualify (19 in AL and NE).

We reserve the right to change the benefit features associated with your card at any time.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all customers, and that credit reporting agencies maintain separate histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.

Balance Transfer Option

Balance transfers are contingent upon issuance of your account with us.
Balance transfers are subject to the transaction fee shown in the enclosed "Pricing Information."
We will evaluate your balance transfer requests in the order listed on your response. The total amount of your request(s) including fees and interest charges cannot exceed your available credit or $15,000, whichever is lower. If your request(s) exceeds the amount that we approve, we may either decline the request or send less than the full amount requested to your designated payee. We may decline to process any balance transfer request that is from any other account or loan that we (Chase Bank USA, N.A., First USA Bank or Bank One) or any of our affiliates issued.
Each transfer will reduce your available credit just like any other transaction. You will see a payment for the amount transferred on the statement from your other accounts. It may take up to three weeks to set up your new account with us and process the balance transfer(s), so you may still need to make payments to your other accounts to keep them current.
You agree that all transferred balances consist of business-related expenses.

Replying to this offer: If you omit any information on the form, we may deny your request for an account. Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer or have received a similar bonus offer, may not be eligible for a second Chase credit card in the same Rewards Program, or for any bonus offer. Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing. You must have a valid permanent home address, and the Company must be headquartered, within the 50 United States or the District of Columbia. The information about the costs of the card described in this form is accurate as of 2/22/2010. This information may have changed after that date. To find out what may have changed, write to us at Cardmember Service, P.O. Box 15043, Wilmington, DE 19850-5043.

USA PATRIOT Act: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.