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  Allegacy FCU Visa® Business Credit Card
Allegacy FCU Visa® Business Credit Card
in Business Credit Cards from Allegacy Federal Credit Union
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Allegacy FCU Visa® Business Credit Card

Unaffiliated
in Business Credit Cards from Allegacy Federal Credit Union
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Highlights
Purchase APR  (Variable APR) N/A
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $30

Allegacy FCU Visa® Business Credit Card Review

Key Takeaways

  • 3% Balance transfer fee. Allegacy FCU Visa® Business Credit Card charges a fee of 3% on balance transfers, if you transfer the balance within 360 days of opening the account. For example, a balance of $1,000 could cost $30 in transfer fees.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Allegacy FCU Visa® Business Credit Card

The Good The Bad
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Considers applicants with fair credit.
  • Allegacy FCU Visa® Business Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $30
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee, if you transfer the balance within 360 days of opening the account.

Allegacy FCU Visa® Business Credit Card FAQ

Who is Allegacy FCU Visa® Business Credit Card designed for?

This is a credit card issued by Allegacy Federal 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.

Allegacy FCU Visa® Business Credit Card Rates & Terms

What fees does it charge?

The following fees apply to this business credit card:

  • An annual fee of $30.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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.

Allegacy FCU Visa® Business Credit Card Fees
Fees Amount
Annual Fee $30
Foreign Transaction Fee 2%
Balance Transfer Fee 3%

Does it offer a cash back or rewards program?

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

What are the benefits?

This business credit card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (336) 774-3400.

What is the support contact email?

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

Does Allegacy FCU Visa® Business Credit Card report your account activity to credit bureaus?

Yes, Allegacy FCU 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 Allegacy Federal 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 Allegacy FCU Visa® Business Credit Card

Our Visa® Business Credit Card is designed to help you manage business expenses while freeing up company cash. It offers greater flexibility for your cash flow, a better vantage point to manage your spending and competitive rates to help you do more. Greater flexibility, better tracking, more control and competitive interest rates. We monitor your Visa Business Credit Card for signs of fraudulent activity. Using a Visa card is faster, safer and more convenient than writing checks.

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 Closed

Other Services by Allegacy Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Annual Fee $30
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum 10
Foreign Currency Transaction Fee 2
Minimum Cash Advance Fee ($) $10
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
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Type No Rewards
APR Type Variable APR
Balance Transfer Fee % 3%
Balance Transfer Fee Intro Period 360 days
Card Network Visa
Card Type
  • Low Interest

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