Business Edition® Secured Mastercard® Credit Card
$39 a year. Purchase APR 24.24%, variable.
- Annual fee
- Issuer's pagefnbo.com
“$39 annual fee 1”
- Purchase APR
- Issuer's pagefnbo.com
“Variable 24.24% APR 1 on purchases and balance transfers based on the Prime Rate.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$40 | −$40 |
| Typical spender | −$40 | −$40 |
| Heavy spender | −$40 | −$40 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Lower top APR than about 60% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer's pagefnbo.com “$39 annual fee 1” |
|---|---|
| Purchase APR | Issuer's pagefnbo.com “Variable 24.24% APR 1 on purchases and balance transfers based on the Prime Rate.” |
Carrying a balance? See how long it takes to pay off
Benefits
- Contactless technology
- Zero Liability protection for fraudulent charges made with the card or account information
- Mastercard Easy Savings automatic rebates at over 40,000 participating merchant locations
- Free 24/7 online account access
- Cash flow management for supplies, equipment, travel and other business expenses
- Global Services assistance for replacement cards or emergency cash
- Rental car: Up to the limits indicated in the coverage disclosure
Questions
Other cards without rewards with fees up to $100
- MasterCardSabine State Bank And Trust Company · $12 a year+$30 a year
- AvantWebbank · $39 a yearabout the same
- NASCARCredit One · $39 a yearabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).