COVID-19:

Click for message from President/CEO regarding operational updates, banking with us 24/7 from anywhere, and LGE member assistance. Our Contact Center can be reached at 770-424-0060.

Business Credit Cards & Lines of Credit

We offer a Visa credit card with a low annual percentage rate (APR) and no annual fee, and a Line of Credit that gives you flexibility and access to capital to meet your short-term borrowing needs.

Get Started. Click or call a Business Loan Officer at 770-424-0060.

Request Loan Information

Download the Business Credit Card Application. Or, to apply for a Line of Credit download the Business Loan Application and Checklist.

Must be an existing member or eligible to become a member through our Field of Membership. All loans subject to approval.

Business Visa®

An LGE Visa credit card is a great expense management tool for your business, with lots of benefits.

Options and Features

  • Special low introductory rate for new cards2
  • Corporate cards for employees
  • Online viewing of daily balances and transactions
  • The ability to separate and control business expenses
  • Low 1% International Service Assessment (ISA) Fee. Compare with what banks charge.
  • Purchase Security/Extended Protection
  • Price Protection and Return Protection
  • Enjoy Travel and Emergency Assistance Services
  • Roadside Dispatch, a 24-hour, toll-free referral dispatch for emergency roadside assistance services like towing, fuel delivery, and more
  • Savings with the Visa Auto Rental Collision Damage Waiver
  • Safer than cash and offers the security of Visa's Zero Liability for fraudulent purchases. Zero liability does not apply to ATM transactions or PIN transactions not processed by Visa.
  • Design Your Own Card program where you can select an image or photo that you want to appear on your credit card

Current Rates

Table data for Business Credit Card
 Rates Effective 3/27/2019
APR1 Cash Advance Fees Late Payment Fees Alert Me
Business Platinum 13.50% $3.00 or 3% whichever is greater, not to exceed $30.00 $35 Receive a notification when this rate changes
(13.50% on cash advances) Receive a notification when this rate changes
3.99% on purchases and balance transfers made during first 180 days; rate effective first 12 months card is open2 Receive a notification when this rate changes
  • 1APR = Annual Percentage Rate.
    Variable Rate Information for Platinum: Purchases and Cash Advances - APR may vary. The rate is determined by the preceding four-week average of the 26-week Treasury Bill rate, plus up to twelve percentage points.
    Grace Period: You have 25 days after the close of a billing cycle to repay your balance for purchases before a finance charge on purchases will be imposed.
    Method of Computing the Balance for Purchases: Average daily balance (including new purchases).
    Minimum Monthly Payment for all credit cards: 2%, minimum $10↵
  • 2The Introductory Annual Percentage Rate (APR) applies only to purchases and balance transfers made on new Visa Platinum accounts during the first 180 days. After the initial 180 days, our Standard APR applies for any purchases and or balance transfers. The Introductory APR will continue to apply to the qualified transactions until your credit card account has been opened for 12 months or the balance is paid. Any remaining balance will roll into the Standard APR.↵

Card Safety

Visa Fraud Detection

Get the highest level of security when it comes to protecting your account from fraudulent charges. Visa’s Fraud Detection Service monitors transactions on your account 7 days a week, 24 hours a day. Click here for information about what to do if a Visa Fraud Representative contacts you.

Members will also receive text alerts to their mobile number on file regarding suspected fraudulent activity on their LGE debit or credit card. Members are automatically opted-in to receive these alerts, which have no cost to the member. For more information, click here.

Visa Secure

Visa Secure (formerly Verified by Visa) enrollment is no longer required on LGE cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption. For additional information call the Visa Secure support center at 1-800-504-5705.

Visa Purchase Alerts

Sign up for Visa Purchase Alerts to receive near real-time email and text updates on your Visa card activity. This way you can act quickly to help reduce fraud and monitor your account, wherever you are. And Visa Purchase Alerts is a free service for LGE Visa cardholders. Learn more and sign up at Visa.com/PurchaseAlerts.

Visa Secure Remote Commerce (Visa SRC)

Pay online the easier way with Visa SRC (formerly Visa Checkout) and your LGE Visa credit card. To enroll or manage your cards, click here.

Business Line of Credit

LGE offers lines of credit that give you flexibility and access to capital to meet your short-term borrowing needs. Line of credit amounts, terms, repayment schedules, and collateral can all be structured to meet the specific needs of your business. Our lines of credit offer:

  • A variable rate tied to Prime Rate
  • Secured and unsecured lines of credit
  • Interest-only payments
  • The convenience of available funds when you need them

Top of Page

Business Loans