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General Qualifiers
- Provide a minimum of one guarantor
- Submit a Business Financial Statement for all Credit Limit Requests exceeding $10,000
- Your primary place of business must be located in one of the following counties:
- In Ohio: Stark, Wayne, Ashland, Crawford, Erie, Huron, Knox, Seneca, Wood, Medina, Portage, Summit, Cuyahoga, Ashtabula, Geauga, Lake, Delaware, Franklin, Madison, Lorain
- In Pennsylvania : Lawrence County
You should review the following disclosure terms and conditions prior to downloading and completing your application. Any application submitted is subject to the terms of the product offered.
| Annual Percentage Rate for Purchases |
9.24% |
| Other Annual Percentage Rates |
12.24% for Cash Advances
3.25% for Balance Transfers (a)
23.99% for Default Pricing (b) |
| Variable Rate Information |
Your Annual Percentage Rates may vary. The Rates are determined by adding 5.99% for Purchases and 8.99% for Cash Advances to the Bank's Prime Rate in effect one (1) business day before the billing cycle closing date. |
| Annual Membership Fee |
None |
| Low Usage Fee |
None |
| Grace Period for the Repayment of Balances for Purchases |
You have not less than 25 days to repay your balance for purchases before a Finance Charge will be imposed. |
| Minimum Finance Charge for Purchases |
$1.00 |
| Balance Calculation Method for Purchases |
Average Daily Balance (including current transactions) |
| Cash Advance Fee |
4.0% of Amount of Advance ($10.00 minimum, $50.00 maximum) |
| Cash Equivalent Transaction Fee |
4.0% of Amount of Purchase ($10.00 minimum, $50.00 maximum) (c) |
| International Purchase Transaction Fee |
3% of Amount of Purchase(d) |
| Balance Transfer Transaction Fee |
$2.00 per each card issuer request |
| Late Payment Fee |
$29.00 for balances less than or equal to $250.00
$39.00 for balances greater than $250.00
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| Over-the-Credit-Limit Fee |
$36.00 |
(a)If you transfer balances from other credit cards, you get a variable Annual Percentage Rate based on Bank Prime on the transferred balances for six months. After six months, the rate reverts to the normal cash advance rate.
(b)If your account becomes two payments delinquent as of the payment due date, an Annual Percentage Rate of 23.99% will take effect on all balances on your account, including any promotional or balance transfer balances, and will take effect immediately with the billing cycle in which the second payment delinquency occurred. This rate will continue until the account has been paid current for twelve consecutive statement periods, after which, the rates effective for the account will be used.
(c)Applies to the following cash equivalent transactions: Wire transfers, foreign currency, money orders, travelers cheques at non-financial institutions, and betting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks).
(d)Applies to the following purchase transactions: Any purchase made in a country other than the United States regardless of whether or not currency conversion is involved.
The information about the costs of the cards described in this application is accurate as of December 18, 2008. This information may have changed after that date. To find out what may have changed, write us at FirstMerit Bankcard Center, P.O. Box 1499, Akron, Ohio 44309-1499.
We may change the above rates, fees and other account terms and conditions at any time in accordance with applicable law and the credit card agreement that will be sent with your credit card.
The application is available for download in an Adobe Acrobat PDF format. In order to view these files you must have a copy of the Adobe Acrobat Reader. The Adobe® Acrobat® Reader™ is free to download from Adobe's web site. FirstMerit is not responsible for the support or sales of the Adobe Acrobat Reader software, the links to download it are for your convenience only.
Download a Business Credit Card Application
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