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  American Airlines Credit Union Business Visa® Platinum Credit Card

American Airlines Credit Union Business Visa® Platinum Credit Card

in Business Credit Cards from American Airlines Credit Union

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American Airlines Credit Union Business Visa® Platinum Credit Card

Unaffiliated

in Business Credit Cards from American Airlines Credit Union

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Highlights
Purchase APR  (Variable APR) 8.74 - 14.74
Balance Transfer APR  (Variable APR) 8.74 - 14.74
Credit Score Range 650 - 850
Annual Fee $0

American Airlines Credit Union Business Visa® Platinum Credit Card Review

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Signup bonus. Offers a signup bonus of 10000 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. American Airlines Credit Union Business Visa® Platinum Credit Card has a variable purchase APR that ranges from 8.74% up to 14.74%.
  • 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% 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, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of American Airlines Credit Union Business Visa® Platinum Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • American Airlines Credit Union Business Visa® Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
American Airlines Credit Union Business Visa® Platinum Credit Card FAQ

Who is American Airlines Credit Union Business Visa® Platinum Credit Card designed for?

This is a credit card issued by American Airlines Credit Union. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 8.74% up to 14.74%. The card has a variable balance transfer APR that ranges from 8.74% up to 14.74%.

It also has a variable cash advance APR that ranges from 8.74% up to 14.74%. Note that late payments are subject to an APR of 18.00% 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 card does offer an introductory APR rate on new purchases of 0% for a period of 6 months.

American Airlines Credit Union Business Visa® Platinum Credit Card Rates & Terms
Purchase APR 8.74% - 14.74%
Balance Transfer APR 8.74% - 14.74%
Cash Advance APR 8.74% - 14.74%
Penalty APR 18.00%

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.
  • A returned payment fee of up to $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.

American Airlines Credit Union Business Visa® Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Balance Transfer Fee 0%
Minimum Balance Transfer Fee $0
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does it offer a cash back rewards program?

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

  • 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:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 533-0035.

What is the support contact email?

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

Does American Airlines Credit Union Business Visa® Platinum Credit Card report your account activity to credit bureaus?

Yes, American Airlines 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 American Airlines 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.

Message From American Airlines Credit Union Business Visa® Platinum Credit Card

This Business Visa® Platinum card is a smart option for any small business owners eager to better manage their finances. Our business credit card enables business owners to control their business expenses by allowing multiple cards under one account and the ability to earn Connection Points.

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

Introductory Rate 0
Purchase Intro APR Period (Variable APR) 6 months
Annual Fee $0
Minimum Interest Charge 0.05
No Annual Fee
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum 2
Foreign Currency Transaction Fee 1
Late Fee Amount Up to 25
Minimum Cash Advance Fee ($) $2
Returned Payment Fee Up to 25
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • 1% Cash Back on Travel
  • Points on Car Rentals
  • Points on Hotels
  • Points on Every Purchase
  • 10000x Points on Target Purchases up to $500 quarterly
Signup Bonus (points) 10,000
Balance Computation Average daily balance (including new purchases)
Cash Advance APR (Variable APR) 8.74 - 14.74
Penalty APR (Variable APR) 18.00
Purchase APR (Variable APR) 8.74 - 14.74
Balance Transfer Fee % 0
Balance Transfer Fee Minimum 0
Balance Transfer APR (Variable APR) 8.74 - 14.74
Card Network Visa
Card Type
  • Low Interest

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