Skip to content
Banking RegistryReal data. Clear answers.Data as of Oct 5, 2026
Banking RegistryReal data. Clear answers.
Herring BankBusiness credit cardsRegistry illustration · issuer artwork unavailable

Business credit cardsHerring Bank · NM bank, CO · FDIC 5568

CurrentLast observed Oct 5, 2026Source date Oct 5, 2026Official issuerCredit card · Business
Download JSONAdd to compare
Purchase APR
13%
Balance transfer
—
Cash advance APR
18%
fixed
Annual fee
$19.99
a year
Foreign fee
—
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first
Introductory, 3 months9.90%Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026“9.9% for first 3 months. 13.0% after 3 months”Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026Website
13%Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026“9.9% for first 3 months. 13.0% after 3 months”Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026Website
APR for balance transfers—no source read
APR for cash advances18%Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026“18% (Fixed)”Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases—no source read
Minimum interest charge$3Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026“if you pay interest, the charge will be no less than $3”Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026Website
Annual fee$19.99, 19.99Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026“19.99”Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026Website
Transaction fees
Cash advancethe greater of $5 or 1% of the amount, maximum $25, $5.00 – 1.0% which ever is greater. Not to exceed $25Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026“$5.00 – 1.0% which ever is greater. Not to exceed $25”Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026Website
Balance transfer—no source read
Foreign transaction—no source read
Penalty fees
Late payment$25, $25.00Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026“$25.00”Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026Website
Returned payment$25, $25.00Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026“$25.00”Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026Website
Other fees$0, $0.00Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026“$0.00”Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026Website
Opening conditionsYou must apply in person for a business credit card.Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026“You must apply in person for a business credit card.”Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026Website
APR qualificationsCash advance · Regular18% (Fixed)Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026“18% (Fixed)”Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026Website
APR qualificationsPurchase · Introductory; Purchase · Regular9.9% for first 3 months. 13.0% after 3 monthsHerring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026“9.9% for first 3 months. 13.0% after 3 months”Herring Bank · Page Capture Oct 5, 2026 · Captured Oct 5, 2026Website