Advia Credit Union Business Visa® Platinum Credit Card Review

• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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 1.0% 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 600.

The Good	The Bad
No annual fee. Offers auto rental collision damage waiver. Identity Theft Protection. Considers applicants with fair or poor credit. Advia Credit Union Business Visa® Platinum Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1.0%. You don't earn rewards on every purchase.

Who is Advia Credit Union business credit card designed for?

This is a credit card issued by Advia Credit Union. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs?

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 $35.
• A returned payment fee of up to $32.
• An overlimit fee of $35.

Does it offer a cash back rewards program?

No, it does not offer a cash back rewards program.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Fraud Liability
• Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (844) 238-4228.

What is the support contact email?

The support contact email for this business credit card is CommercialServices@adviacu.org.

Does Advia Credit Union Business Visa® Platinum Credit Card report your account activity to credit bureaus?

Yes, Advia Credit Union Business Visa® Platinum 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 Advia 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.