“Valley Bank’s Business Credit Cards: Are They the Right Fit for
Your Company ?”
About Valley Business Credit Cards
Valley Bank (commonly referred to simply “Valley” in some
markets) offers business credit cards designed to help small to medium-sized
companies manage cash flow, earn rewards, and in some cases build or rebuild
credit. Their offerings include both secured and unsecured business credit
options, with features like online account access, fraud protection, and,
depending on the card, benefits like 0% introductory APR.
Quick Overview
Here are some of the key details for Valley’s business
credit card lineup, based on their current public disclosures:
|
Feature |
Details |
|
Card Types |
They have Visa Secured Business Credit Card as one
of their secured options. |
|
Annual Fee |
The Visa Secured Business Credit Card has no annual fee. |
|
Introductory APR |
There is a 0% introductory APR on purchases for the first
6 months. |
|
Ongoing APR |
After the intro period, the APR is variable. Exact rates
depend on your credit profile. |
|
Security Deposit (for secured cards) |
For secured cards, you’ll need to provide a deposit (often
110% of the credit line) which acts as collateral and determines your credit
limit. |
|
Rewards / Perks |
The secured card offers 1% cash back on purchases.
It also includes standard business card protections (fraud protection, online
access) and the ability to help build business credit. |
Direct Link To Offer
Pros & Cons
Pros:
- No
annual fee on secured card — lowers cost especially for a startup or
business rebuilding credit.
- 0%
APR period for first 6 months — useful for making larger purchases
without immediate interest.
- Helps
build or rebuild business credit — secured cards that report to credit
bureaus can improve your credit profile with on-time payments.
Cons:
- Security
deposit required — cash tied up in deposit reduces liquidity.
- After-intro
APR may be high, depending on credit score.
- Limited
rewards — 1% cashback is modest compared to some cards; if your
business spends heavily in certain categories, you might find better
rewards elsewhere.
Is It Profitable Or Not ?
Whether the Valley Business Credit Card is profitable
for you largely depends on where your business stands:
- If
your credit history is weak or just beginning, you need a secured option
that reports to business credit bureaus, and you want to establish or
rebuild credit — yes, this card can be a smart move. The lack of
annual fee, the 0% intro APR, and the ability to build credit make it
attractive in that scenario.
- If
you already have good credit, spend a lot, and are after generous rewards
or premium perks, then the modest 1% cashback and the requirement for a
security deposit may make this card less profitable compared to others in
the market.
Review
Profitable if
you need credit building and low upfront costs; less so if you’re
chasing high rewards or want an unsecured card with more premium features.
