Grand Rapids State Bank
Credit Cards

VISA® Business
from Grand Rapids State Bank

VISA® Business
from Grand Rapids State Bank

Important Disclosures

Competitive Rates

Competitive Rates

Zero Fraud

Zero Fraud Liability

Customer Service

24/7 Customer Service in the U.S.

Pen & Paper

Interest Rates & Fees Summary

Purchase APR
Annual Fees
Purchase APRAnnual Fees

Please see Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.

Additional Product Features

  • Online account information

Important Disclosures

VISA® Business
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases15.48%
APR for Balance Transfers15.48%
APR for Cash Advances15.48%*
*An interest charge will be assessed on cash advances from the date of the cash advance, or the first billing cycle in which the cash advance is posted, whichever is later, and will continue to accrue until payment in full is made.
Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Annual Fees00.00
Penalty Fees
• LATE FEEIf a payment is 11 days or more late, a fee of 5.00% of the regularly scheduled payment or $5.00, whichever is greater up to $35.00 will be assessed.
• RETURNED CHECK FEEReturned check fee $30.00
Other Fees
• ISA FEESA Visa International Service Assessment (ISA) Fee will be assessed on all transactions where the merchant country differs from the country of the card issuer and will be shown separately from the transaction amount on your billing statement. A 1% fee will be assessed on international transactions when a currency conversion occurs and 1% when a currency conversion is not performed.

How will we calculate your balance?: We use a method called "average daily balance (including new transactions)."

Billing Rights: Refer to attachment to account agreement.