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  AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card

AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card

in Business Credit Cards from AltaOne Federal Credit Union

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AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card

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in Business Credit Cards from AltaOne Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) 10.99
Balance Transfer APR  (Fixed APR) 10.99
Credit Score Range 600 - 850
Annual Fee $0

AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card Review

Key Takeaways
  • Competitive APRs. AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card has a fixed purchase APR of 10.99%
  • 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.
  • 3% Balance transfer fee. AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card FAQ

Who is AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card designed for?

This is a credit card issued by AltaOne Federal Credit Union. 

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

This business card has a credit limit of up to 650.

What are the relevant APRs?

This business credit card has a fixed purchase APR of 10.99%. The card has a fixed balance transfer APR of 10.99% .

It also has a fixed cash advance APR of 10.99%.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

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

AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card Rates & Terms
Purchase APR 10.99%
Balance Transfer APR 10.99%
Cash Advance APR 10.99%

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 $25.
  • An overlimit fee of $25.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 1%. 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.

AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Late Payment Fee $25

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers.

  • Advertising Services
  • Airfare
  • Amazon.com
  • Car Rentals
  • Internet, Cable and Phone Services
  • Drug Stores
  • Education
  • Every Purchase
  • Furniture
  • Gas stations
  • Groceries
  • Gyms
  • Home Improvement
  • Hotels
  • Insurance
  • Office Supply Stores
  • Restaurants
  • Retail
  • Shipping
  • Software, Hardware, Cloud
  • Utilities
  • Warehouse Clubs

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

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:

  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 433-9727.

What is the support contact email?

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

Does AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card report your account activity to credit bureaus?

Yes, AltaOne Federal Credit Union Visa Platinum Rewards 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 AltaOne 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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 6:00pm
  • Tuesday 7:00am - 6:00pm
  • Wednesday 7:00am - 6:00pm
  • Thursday 7:00am - 6:00pm
  • Friday 7:00am - 6:00pm
  • Saturday 9:00am - 2:00pm

Other Services by AltaOne 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 $0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Late Fee Amount $25
Over-Limit Fee $25
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Balance Computation Daily balance
Cash Advance APR (Fixed APR) 10.99
Credit Limit $650 - $850
Purchase APR (Fixed APR) 10.99
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Balance Transfer APR (Fixed APR) 10.99
Card Network Visa
Card Type
  • Rewards
  • Low Interest

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