AltaOne Federal Credit Union Visa Platinum Rewards Business Credit Card Review

• 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.

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.

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%.

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 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

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.