The Hello Alice Small Business Secured Mastercard

Build your credit with every purchase

The Hello Alice Small Business Secured Mastercard helps you build or rebuild your credit over time and unlock opportunities as you grow.

Learn more
An illustration of Ziggy in front of a mobile device that is also printing a receipt with a Hello Alice credit card inserted into the mobile device.

How the Hello Alice Small Business Secured Mastercard® Works

An image the hands of two people, one making a purchase by handing the other a credit card over a credit card machine.
1

Apply and open your secured card by paying a reduced security deposit, starting at $550. Subject to credit approval.3

2

Use your secured card to pay for goods and services online and in person and earn rewards.

3

Make payments on-time each month and use your secured card responsibly to help build or rebuild your credit.

4

Get your deposit back, minus any pending balances you may have on your account, when you choose to close the account or when you qualify to transition to an unsecured card.

Apply today Summary of Credit Terms

Take Control of Your Credit

Every small business deserves a chance to secure its future. Our secured card supports improving credit to unlock opportunities for growth while receiving rewards for your small business.

A blue circle with a check mark in it

Build Your Credit

Apply and open your secured card with an initial deposit and establish a track record of on-time payments to boost your personal and business credit scores over time.

A blue circle with a check mark in it

Option to Graduate

Cardholders may automatically transition to our unsecured card in as little as 11 months with a good payment history. Subject to credit approval. Your initial deposit will automatically be returned to you!

A blue circle with a check mark in it

Earn Points2

Earn every time you use your secured card for everyday purchases. Redeem points for access to Hello Alice events and workshops, cashback on eligible purchases2, or gift cards.

Want to Learn More About Improving Credit?

Check out our educational how-to guides with actionable insights and expert advice to further support your credit-building journey.

An illustration of Several books with a magnifying glass

Organize Your Finances

Separate your business and personal expenses with a dedicated bank account and accounting system.

An illustration of a rocket flying in the sky

Boost Your Personal Credit

Get a handle on your credit score, a necessary first step on the journey to funding your business and achieving your goals.

An illustration of a computer screen with a bar chart on it

Improve Your Business Credit

Zero in on how business credit is different from personal credit and how it impacts your ability to seek funding.

The Card That Grows With Your Business

Hello Alice Small Business Mastercard®

$0

No Annual Fees

A true small business card, with no annual fees so you can save money1

0%

Intro APR

On purchases and balance transfers for the first six billing cycles after account opening. After that, a variable APR based on the Prime Rate of 27.74% 1.

$200

Statement Credit

When you spend $5,000 in the first three billing cycles after account opening (one credit per business account)┬▓. Apply by 11/30/23.

Plus, accelerate your earnings on your secured card spend2

  • 4x points for every $1 spent on eligible wireless telephone service & business software purchases.
  • 3x points for every $1 spent on eligible office supplies & shipping purchases
  • 2x points for every $1 spent on eligible rideshare & restaurant purchases.
  • 1.5x points for every $1 spent on all other purchases.

Redeem your points to access Hello Alice events and workshops to build your skills as a small business owner, or convert points to gift cards or cashback on eligible purchases2 that you can invest back into your business however you see fit!

Apply today Summary of Credit Terms

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions, and limitations. Minimum monthly payments required. A balance transfer fee of 5% (minimum $10) applies to each balance transfer you make.

You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.

1For additional information about Annual Percentage Rates (APRs), fees, and other costs, please see the Summary of Credit Terms.

2For the Credit Card rewards program, see the Rewards Terms and Conditions in the Summary of Credit Terms. Please see the Hello Alice Terms of Service at helloalice.com/terms for information regarding expiration, redemption, forfeiture, and other limitations on Hello Alice points. Rewards redemptions are available online only. Please allow up to eight weeks after you qualify for the statement credit offer for it to be applied to your Account. Hello Alice points earned on Hello Alice activities can not be redeemed for cashback.

3You may only charge up to your approved credit limit, which will be less than the deposit you provide. The amount of your security deposit is 110% of the amount of your credit limit. Your security deposit may not be refundable if your account is in default.

Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.