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  Advia Credit Union Business Visa® Platinum Credit Card

Advia Credit Union Business Visa® Platinum Credit Card

in Business Credit Cards from Advia Credit Union

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Advia Credit Union Business Visa® Platinum Credit Card

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in Business Credit Cards from Advia Credit Union

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Highlights
Purchase APR  (Fixed APR) N/A
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

Advia Credit Union Business Visa® Platinum Credit Card Review

Key Takeaways
  • 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.
Pros & Cons of Advia Credit Union business credit card
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.
Advia Credit Union business credit card FAQ

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?

Does it have an introductory APR offer?

This business credit card does not offer an introductory rate on new purchases.

Advia Credit Union business credit card Rates & Terms

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 charge a foreign transaction fee?

This business card charges a foreign transaction fee of 1.0%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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.

Advia Credit Union business credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1.0%
Balance Transfer Fee 0%
Minimum Balance Transfer Fee $0
Returned Payment Fee $32
Late Payment Fee up to $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.
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Message From Advia Credit Union Business Visa® Platinum Credit Card

Enjoy the security, convenience, and flexibility of a Business Visa Platinum Credit Card. No annual fee  24-hour online account information and payment options  No balance transfer fee or cash advance fee  Same low, non-promotional rate on purchases, cash advances, and balance transfers  Auto rental collision coverage  Roadside dispatch protection  Fraud monitoring protection  Security and Extended Protection available.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Advia Credit Union

Feature Breakdown

Annual Fee $0
Cash Advance Fee (%) 0%
Cash Advance Fee Minimum $0
Minimum Cash Advance Fee ($) $0
No Annual Fee
Foreign Currency Transaction Fee 1.0%
Late Fee Amount Up to $35
Over-Limit Fee $35
Returned Payment Fee $32
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
Rewards Type No Rewards
Balance Computation Average Daily Balance (Including New Purchase)
Card Network Visa
Card Type
  • Low Interest

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