Hey! If you’re interested in applying for a small-business credit card, here are four tips to keep in mind.

  1. You will have to sign a personal guarantee, which means you agree to be personally responsible for any debt, regardless of what happens with your business.
  2. The application may temporarily cost a few points of your personal credit, as the issuer wants to ensure that you are financially stable before giving you money. Also, depending on where the small-business card reports to, your spending habits could affect both your personal and business credit.
  3. The law does not require issuers to extend consumer protections to small-business credit cards, although many do as a courtesy.
  4. As revenue grows from thousands to millions, you’ll want to switch from a small-business card to a corporate card, which will limit your personal liability for the account.

For more information about business credit cards, visit southernbank.com/business/visa-credit-card.

Help Center

  • Lost or Stolen Debit or ATM Card

    1.855.ASK.SBANK (1.855.275.7226)

  • Lost or Stolen Credit Card


  • 24-Hour Emergency Roadside Assistance

    Lock your keys in your car? Car won’t start? Call 1.833.278.1576. It’s free to use up to $80 in service charges. (For GOLD accounts with BaZing Only.)

  • Reorder Checks

    Click Here. Safe & Secure check ordering through Deluxe, our preferred check printer.

  • Customer Care Center

    1.855.ASK.SBANK (1.855.275.7226)
    Mon-Fri 8am-7pm
    Sat 9am-1pm
    Treasury Services Support available Mon-Fri 8am-5:30pm Closed Sun & federal holidays

Online Banking

Don’t have Online Banking? Sign Up