Business Credit Cards :: Small Business

Take advantage of Republic Bank's credit card offerings and all of its benefits. We currently offer a Republic Bank VISA Premier Business Gold credit card.

Features:

A variable interest rate on outstanding balances. The interest rate is calculated as the Wall Street Journal Prime Rate plus 5.2%.
Statement information available on the Internet - view statements, unbilled activity, make payments, and download to Quicken
24 hours-a-day, 7 days-a-week account information
$150,000 Common Carrier Accident Insurance and Baggage Delay Coverage
Auto rental insurance coverage
Cash advances available through Republic Bank Star ATM's, as well as ATM's in NYCE, Pulse, Presto, Interlink, and PLUS networks

Requirements:

All credit card applications are subject to underwriting.

Cardholder Agreement

To apply, visit your local Republic Bank banking center.
If you have any questions, please call us at 502-584-3600 or outside Louisville, call toll-free at 888-584-3600.

CREDIT DISCLOSURE
Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases	8.45% This APR can vary monthly with the market based on the Prime Rate published in the Wall Street Journal.
APR for Cash Advances	8.45% This APR can vary monthly with the market based on the Prime Rate published in the Wall Street Journal.
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 purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from Federal Reserve Board	To learn more about factors to consider when applying or using a credit card, visit the website of the federal board at http://www.FederalReserve.gov/CreditCard
Fees
Annual Fee	$35
Transaction Fees • Cash Advance Fee • International Fee	Either $3 or 3% of each cash advance whichever is greater (maximum fee: $40). 0.8% single currency exchange per transaction in U.S. Dollars. 1% multi-currency exchange per transaction in U.S. Dollars.
Penalty Fees • Late Payment Fee • Returned Check Fee	$25 $25
Other Fees • Expedited Phone Payment	$6

How will we 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 your account agreement.

The information about the costs of the card, which is offered by Republic Bank & Trust Company, described in this application is accurate as of the date below. This information may have changed after that date. To find out what may have changed, write to us at:

Republic Bank
601 West Market Street
Louisville, Kentucky 40202-2700

Rate updates as of 4/13/12

The Prime Rate used to determine your APR is the highest rate published in The Wall Street Journal on the first day of each month. Any change in your rate will go into effect on the first day of your new billing cycle that follows the first day of any month that a change in the prime rate became effective.

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