Business Credit Card Options
Chain Bridge Bank, N.A. helps commercial clients such as businesses, political campaigns, and nonprofits evaluate two card options: a Business Credit Card and a Secured Business Credit Card. Both offer relationship-based service and Mastercard® contactless payment technology.
Card Options for Organizational Spending
The Business Credit Card and Secured Business Credit Card are designed for existing banking clients that need card access, spending controls, expense tracking tools, and relationship-based service.
Applicants must have a deposit or lending relationship with Chain Bridge Bank, N.A. prior to applying.
Business Credit Card
The Business Credit Card does not require collateral. It offers a traditional credit limit based on approval and financial position.
It may be a good match for businesses that have documented credit history.
Secured Business Credit Card
The Secured Business Credit Card is secured by a deposit account pledged as collateral. It may help an organization establish or strengthen business credit, with a credit limit typically based on the amount of pledged funds.
Organizations without borrowing capacity or traditional financing, such as political campaigns or startup businesses, may be well suited for this card.
Shared Features
Both card options support organizational spending, card administration, and expense visibility.
Employee Cards
Issue employee cards with spending controls for authorized business purchases.
Rate Structure
Annual percentage rates are based on the U.S. prime rate plus an applicable margin and are subject to credit approval and the applicant’s banking relationship.
Expense Tools
Use online tools for tracking expenses and payments.
Fraud Monitoring
Fraud monitoring supports cardholder account oversight.
Product Comparison
Compare the Business Credit Card and Secured Business Credit Card by structure, collateral, credit limit, and typical use.
| Feature | Business Credit Card | Secured Business Credit Card |
|---|---|---|
| Product Type | Traditional business credit card. | Deposit-secured business credit card. |
| Collateral | Does not require collateral. | Secured by a deposit account pledged as collateral. |
| Credit Limit | Traditional credit limit based on approval and financial position. | Credit limit typically based on the amount of the pledged funds. |
| Typical Use | Businesses that have documented credit history. | Organizations without borrowing capacity or traditional financing, including political campaigns or startup businesses. |
| Credit Review | Current financial statements are required for Business Credit Card requests, unless current documentation is already on file with the Bank. Subject to credit approval. | Financial statements are not required for Secured Business Credit Card requests. Subject to credit approval. |
| Deposit Requirement | Not applicable. | The Secured Business Credit Card is secured by a deposit account pledged as collateral with a minimum balance equal to 110% of the credit limit. The additional 10% is intended to cover potential interest, late fees, and over-the-limit transactions. |
| Rate Positioning | Annual percentage rate is based on the U.S. prime rate plus an applicable margin. | The Secured Business Credit Card carries a lower annual percentage rate than the Business Credit Card. Annual percentage rate is based on the U.S. prime rate plus an applicable margin. |
| Annual Fee | No annual fee. | No annual fee. |
Business Credit Card Eligibility
Our Business Credit Cards are available exclusively to businesses with an existing banking relationship with Chain Bridge Bank, N.A. Applicants must have a deposit or lending relationship with us prior to applying.
All Business Credit Cards, credit limits, and interest rates are subject to credit approval. This is not a commitment to extend credit. Interest rates may vary based on credit and the applicant’s banking relationship.
Cardholder Tools and Benefits
Existing and prospective cardholders can access service, benefit, and administration resources.
360Control Login
Authorized users may use 360Control to manage card activity, spending controls, reporting, and related administration, subject to assigned permissions and current platform capabilities. Users may download transaction information for internal review and reconciliation.
Dedicated Service
Our team supports your organization from onboarding to servicing.
Mastercard® Guide to Benefits
Use the link below to view the Mastercard® Guide to Benefits.
View the Mastercard® Guide to Benefits
Benefits described in the guide are provided by Mastercard International Incorporated. They are not products of Chain Bridge Bank, N.A. and are subject to applicable terms, conditions, and exclusions.
Support and Cardholder Services
Find support information for cardholders of the Business Credit Card and Secured Business Credit Card, including cardholder services, lost or stolen card reporting, international collect assistance, disputes, activation, and PIN management.
Cardholder Services
866-748-2001For general account support, including balance inquiries, transactions, and general questions.
Lost or Stolen Card Support
855-293-2458For immediate reporting of lost or stolen cards, or any suspected fraudulent activity.
International (Collect)
206-352-4401For immediate reporting of lost or stolen cards or suspected fraudulent activity when calling from outside the United States.
Dispute Center
855-293-2457For assistance with disputing transactions that are incorrect or unauthorized but not fraud-related.
Card Activation
800-290-7893Use to activate a new card.
PIN Management
888-891-2435Use to set or update your PIN if it was not established during card activation.
Existing cardholders may also access 360Control for card activity, spending controls, reporting, and related administration.
Frequently Asked Questions
Answers to common questions about eligibility, product differences, secured-card requirements, employee cards, support, and 360Control access.
Who can apply for the Business Credit Card or Secured Business Credit Card?
Our Business Credit Cards are available exclusively to businesses with an existing banking relationship with Chain Bridge Bank, N.A. Applicants must have a deposit or lending relationship with us prior to applying.
What is the difference between the Business Credit Card and the Secured Business Credit Card?
The Business Credit Card does not require collateral and offers a traditional credit limit based on approval and financial position. The Secured Business Credit Card is secured by a deposit account pledged as collateral, with a credit limit typically based on the amount of the pledged funds.
What is required for the Secured Business Credit Card?
The Secured Business Credit Card is secured by a deposit account pledged as collateral with a minimum balance of 110% of the credit limit. The additional 10% is intended to cover potential interest, late fees, and over-the-limit transactions. Financial statements are not required for Secured Business Credit Card requests.
Can employee cards include spending controls?
Yes. Both card options include employee cards with spending controls, online tools for tracking expenses and payments, and fraud monitoring.
Where can existing cardholders get support?
Existing cardholders can use the support contacts on this page for cardholder services, lost or stolen card support, international collect assistance, disputes, activation, and PIN management.
How do existing cardholders access 360Control?
Authorized users can access 360Control to manage card activity, spending controls, reporting, and related administration, subject to assigned permissions and current platform capabilities. Users may download transaction information for internal review and reconciliation.
