APGFCU Business Visa® Credit Card
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| Purchase APR (Variable APR) | 10.49% - 17.49% |
| Balance Transfer APR (Variable APR) | 10.49% - 17.49% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
APGFCU Business Visa® Credit Card Review
- Competitive APRs. APGFCU Business Visa® Credit Card has a variable purchase APR that ranges from 10.49% up to 17.49%.
- 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
| The Good | The Bad |
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Who is APGFCU Business Visa® Credit Card designed for?
This is a credit card issued by APG Federal 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 10.49% up to 17.49%. The card has a variable balance transfer APR that ranges from 10.49% up to 17.49%.
It also has a variable cash advance APR that ranges from 10.49% up to 17.49%. 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 credit card does not offer an introductory rate on new purchases.| Purchase APR | 10.49% - 17.49% |
| Balance Transfer APR | 10.49% - 17.49% |
| Cash Advance APR | 10.49% - 17.49% |
| 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 $20.
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% |
| Balance Transfer Fee | 0% |
| Minimum Balance Transfer Fee | $0 |
| Returned Payment Fee | $20 |
| Late Payment Fee | $25 |
Does it offer a cash back rewards program?
No, it does not offer a cash back rewards program.
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 support contact email?
The support contact email for this business credit card is info@apgfcu.com.
Does APGFCU Business Visa® Credit Card report your account activity to credit bureaus?
Yes, APGFCU Business Visa® 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 APG 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 APG Federal Credit Union
Contact
- Headquarters
-
APGFCU VISA Department
P.O. Box 1176
Aberdeen, MD 21001 - Visit Site
- Email Support
Other Services by APG Federal Credit Union
Feature Breakdown
| Annual Fee | $0 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $2 |
| Foreign Currency Transaction Fee | 1% |
| Late Fee Amount | $25 |
| Minimum Cash Advance Fee ($) | $2 |
| Returned Payment Fee | $20 |
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