ATIRAcreditTM Business MasterCard® Terms and Conditions

Interest Rates and Interest Charges                          
Annual percentage rate (APR) for purchases
11.24% to 17.24% based on your creditworthiness. The daily variable rate range is 0.03079% to 0.04723%. These APRs will vary with the market based on the Prime Rate. 
APR for Balance Transfers
Balance Transfer APR is the same as the Purchase APR.
APR for Cash Advances
21.24%. The daily variable rate is 0.05819%. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies
23.24%. This APR will vary with the market based on the Prime Rate.
The Default APR will apply to your Account if you:
  • fail to make any Minimum Payment by the date and time due (late payment); or
  • make a payment to us that is returned unpaid.
How Long Will the Default APR Apply: If an APR is increased for any of these reasons, the Default APR will apply until the closing date of the sixth consecutive billing cycle that you are current on all payments to your account.
Variable Rate 
The variable APR you receive is dependent on your credit history. Your Purchase APR may vary monthly. The Purchase rate is determined by adding a premium of 7.99% to 13.99% to the Prime Rate. The Balance Transfer, Convenience Check and Cash Advance rate is determined by adding a premium of 17.99% to the Prime Rate. The Default rate is determined by adding a premium of 19.99% to the Prime Rate.
Grace Period Your due date will be a minimum of 20 days after the close of each billing cycle. We will not charge you periodic interest on any portion of new purchases billed to a statement that we allocate such payment to, so long as your current statement shows that we received payment of the entire balance of your previous statement by the time the minimum payment was due. You may not be able to avoid interest on new purchases if you have another balance at a higher interest rate, unless you pay your balance in full each month, because we generally allocate payments to higher rate balances first.  We will begin charging interest on cash advances and convenience checks on the transaction date.   
Minimum Finance Charge
If you are charged periodic interest, the charge will be no less than $0.50.

Annual Fee
None first year.  After that $39.00.
Transaction Fees
   Balance Transfers
Either $10.00 or 3% of the amount of each transfer, whichever is greater.
    Cash Advances
Either $10.00 or 4% of the amount of each transfer, whichever is greater.
    Foreign Transactions
3% of each transaction in U.S. Dollars
Penalty Fees
    Returned Payment
    Return Check

 Additional Information About The Card

How Your Variable Rate is Calculated
We calculate the variable rate by adding a premium to the highest Prime Rate published in the “Money 
Rates” section of The Wall Street Journal for the preceding three months and can change up to three 
days prior to your statement closing date.  If the Prime Rate changes, your new rate will take effect on the 
then current billing period.
How Your Minimum Payment is Calculated
Your minimum payment will be the greater of 2% of your outstanding balance or $40. If your balance is 
less than $40, your minimum payment will equal your balance.
Loss of Intro APR: We will end any Introductory APRs if you fail to make any required Minimum Payment by the date and time due and the Default APR will take effect.
How We Will Calculate Your Balance: We use the daily balance method (including new transactions).
Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 7/14/2011.

Authorization: When you ("you", "your" means the owner, officer, or partner of the company with the authority to bind the company to the terms & conditions of this offer and the Business Card Agreement, and who is agreeing to the terms on their own behalf and that of the company) respond to this credit card offer from TMG Financial Services, Inc. ("TMGFS", “ATIRACredit”, "we", or "us"), you agree to the following:

  1. You authorize us to obtain business and consumer credit bureau reports in connection with your request for an account. If an account is opened, we may obtain credit bureau reports in connection with extensions of credit or the review or collection of your account. If you ask, we will tell you the name and address of each credit bureau from which we obtained a report about you.

  2. If an account is opened, you will receive a Welcome Letter, a Business MasterCard Agreement and Disclosure Statement with your card(s), and these disclosures that make up the entirety of your Business Card Agreement with us. By using the account or any card, authorizing their use, or making any payment on the account, you agree to the terms of the Business Card Agreement.

  3. You authorize us to allocate your payments and credits in a way that is most favorable to or convenient for us. For example, you authorize us to apply your payments and credits to balances with lower APRs (such as promotional APRs) before balances with higher APRs.

  4. Rates, fees, and terms may change: We have the right to change the account terms (including the APRs) in accordance with your Business Card Agreement.

  5. You also certify you have the authority to permit us to issue your credit card containing the Company name if completed on the form.

Individual and Company Liability: You understand that by responding to this offer you agree to be personally responsible for payment of all balances incurred  on all cards and accounts issued pursuant to this application now or whenever such additional accounts may be established in the future, and that the Company is jointly liable for all balances on all accounts in the Company name. You understand that if you leave the employment of the Company, you will continue to be responsible for the outstanding balances on the accounts. You must notify us immediately to close the accounts and prevent further usage.

Before we approve you for a credit card, we will review your credit report, the Company's financial information, and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a card with different costs or you may not receive a card. We may request additional information for a revolving credit amount above $15,000. 

If an account is approved, all cardmembers will have access to the approved revolving credit amount disclosed on the Welcome Letter and any amount over the revolving credit amount that we authorize. If you would like to set spending limits on any cardmembers, please contact our Cardmember Service Department after the account has been opened. By becoming a MasterCard Business cardmember, you agree that the card is being used only for business purposes and that the card is being issued to a public or private company including a sole proprietor or employees or contractors of an organization.

The information about the costs and benefits of the card described in this Application is accurate as of 5/6/2013. This information may have changed. To find out what may have changed, please visit for the latest version, or call (888) 4-ATIRA-1 (888-428-4721).  

You must be at least 18 years old to qualify.

We reserve the right to change the benefit features associated with your card at any time.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all customers, and that credit reporting agencies maintain separate histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.

Replying to this offer:  If you omit any information on the form, we may deny your request for an account. You must have a valid permanent home address, and the Company must be headquartered within the 50 United States or the District of Columbia. The information about the costs of the card described in this form is accurate as of 7/14/2011. This information may have changed after that date. To find out what may have changed, call 1-888-428-4720.

For our full Cardmember Agreement please click here.

Patriot Act Disclosure 


To help the U.S. government fight the funding of terrorism and money laundering activities, Federal law requires all U.S. financial institutions to obtain, verify, and record information that identifies each individual or institution that opens an account or establishes a customer relationship.

What this means: If you enter into a new customer relationship with us, we will ask for your name, address, date of birth, and other identification information. This information will be used to verify your identity. As appropriate, we may, in our discretion, ask for additional documentation or information. If all required documentation or information is not provided, we may be unable to open an account or establish a relationship with you.

Last Modified 5/6/13


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The ATIRAcreditTM card is issued by TMG Financial Services pursuant to a license by MasterCard International Incorporated. MasterCard, Platinum MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. ©2014, TMG Financial Services, Inc. ATIRA® is a registered service mark and ATIRAcreditTM is a service mark of The Members Group, LLC.