Addition Financial CU Visa Business Credit Card
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| Purchase APR (Variable APR) | 11.50% |
| Balance Transfer APR (Variable APR) | Starting at 13.50% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Addition Financial CU Visa Business Credit Card Review
This is a rewards card issued by Addition Financial Credit Union. If you're wondering whether Addition Financial CU Visa Business Credit Card is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of 20000 points after spending $5,000 that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Addition Financial CU Visa Business Credit Card has a variable purchase APR of 11.50%
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Addition Financial CU Visa Business Credit Card
| The Good | The Bad |
|---|---|
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What are the relevant APRs?
This business credit card has a variable purchase APR of 11.50%. The card has a variable balance transfer APR starting at 13.50% .
It also has a variable cash advance APR of 13.50%. Note that late payments are subject to an APR of 17.75% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 11.50% |
| Balance Transfer APR | Starting at 13.50% |
| Cash Advance APR | 13.50% |
| Penalty APR | 17.75% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $38.
- A returned payment fee of up to $27.00.
- There is no overlimit fee
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 0% |
| Minimum Balance Transfer Fee | $0 |
| Returned Payment Fee | $27 |
| Late Payment Fee | $38 |
Does it offer a cash back or rewards program?
Yes, Addition Financial CU Visa Business Credit Card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
However, it does include a 20000 points signup bonus after you spend $5000 that can be redeemed for travel, gifts, or other perks.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
What is the customer service phone number?
The customer service number for this business card is (800) 711-9411.
What is the support contact email?
The support contact email for this business credit card is info@additionfi.com.
Does Addition Financial CU Visa Business Credit Card report your account activity to credit bureaus?
Yes, Addition Financial CU Visa Business Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the Addition Financial Credit Union .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Message From Addition Financial CU Visa Business Credit Card
Contact
- Headquarters
-
1000 Primera Blvd
Lake Mary, FL 32746 USA - (800) 711-9411
- Visit Site
- Email Support
Other Services by Addition Financial Credit Union
Feature Breakdown
| Annual Fee | $0 |
| Cash Advance Fee (%) | 0% |
| Cash Advance Fee Minimum | $0 |
| Foreign Currency Transaction Fee | 3% |
| Late Fee Amount | $38 |
| Minimum Cash Advance Fee ($) | $0 |
| No Annual Fee | |
| Over-Limit Fee | $0 |
| Returned Payment Fee | $27 |
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