
Altra Federal Credit Union Visa Business Credit Card
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Purchase APR (Variable APR) | 9.9% |
Balance Transfer APR (Variable APR) | 9.9% |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Altra Federal Credit Union Visa Business Credit Card Review
- Competitive APRs. Altra Federal Credit Union Visa Business Credit Card has a variable purchase APR of 9.9%
- 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.
- 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.
- Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
The Good | The Bad |
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Who is Altra Federal Credit Union business credit card designed for?
This is a credit card issued by Altra 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?
This business credit card has a variable purchase APR of 9.9%. The card has a variable balance transfer APR of 9.9% .
It also has a variable cash advance APR of 9.9%. Note that late payments are subject to an APR of 17.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
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.Purchase APR | 9.9% |
Balance Transfer APR | 9.9% |
Cash Advance APR | 9.9% |
Penalty APR | 17.9% |
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 $29.
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.
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 1% |
Returned Payment Fee | up to $29 |
Late Payment Fee | up to $35 |
Does it offer a cash back rewards program?
This business credit card offers a rewards program to its customers.
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:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Fraud Liability
- Travel Assistance
- Reports to major credit bureaus
What is the support contact email?
The support contact email for this business credit card is info@altra.org.
Does Altra Federal Credit Union Visa Business Credit Card report your account activity to credit bureaus?
Yes, Altra Federal Credit Union 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 Altra 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.
Message From Altra Federal Credit Union
Contact
- Headquarters
-
1700 Oak Forest Drive
Onalaska, WI 54650 - Visit Site
- Email Support
Other Services by Altra Federal Credit Union
Availability
- 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 | |
Cash Advance Fee (%) | Starting at 3% |
Cash Advance Fee Minimum | $5 |
Foreign Currency Transaction Fee | 1% |
Late Fee Amount | Up to $35 |
Minimum Cash Advance Fee ($) | Starting at $5 |
Returned Payment Fee | Up to $29 |
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