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  Blackhawk Community Credit Union Business Credit Card

Blackhawk Community Credit Union Business Credit Card

in Business Credit Cards from Blackhawk Community Credit Union

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Blackhawk Community Credit Union Business Credit Card

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in Business Credit Cards from Blackhawk Community Credit Union

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Highlights
Purchase APR  (Variable APR) 9.45% - 11.45%
Balance Transfer APR  (Variable APR) 9.45% - 11.45%
Credit Score Range 600 - 850
Annual Fee $0

Blackhawk Community Credit Union Business Credit Card Review

Key Takeaways
  • Competitive APRs. Blackhawk Community Credit Union Business Credit Card has a variable purchase APR that ranges from 9.45% up to 11.45%.
  • 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 600.
Pros & Cons of Blackhawk Community Credit Union 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.
  • Blackhawk Community Credit Union Business Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Blackhawk Community Credit Union Business Credit Card FAQ

Who is Blackhawk Community Credit Union Business Credit Card designed for?

This is a credit card issued by Blackhawk Community 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 that ranges from 9.45% up to 11.45%. The card has a variable balance transfer APR that ranges from 9.45% up to 11.45%.

It also has a variable cash advance APR that ranges from 9.45% up to 11.45%.

The good news is this business card does not charge a penalty APR if you are late on a payment.

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.

Blackhawk Community Credit Union Business Credit Card Rates & Terms
Purchase APR 9.45% - 11.45%
Balance Transfer APR 9.45% - 11.45%
Cash Advance APR 9.45% - 11.45%
Penalty APR 0%

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 $10.
  • A returned payment fee of up to $10.

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.

Blackhawk Community Credit Union Business 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 $10
Late Payment Fee up to $10

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 customer service phone number?

The customer service number for this business card is .

What is the support contact email?

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

Does Blackhawk Community Credit Union Business Credit Card report your account activity to credit bureaus?

Yes, Blackhawk Community Credit Union 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 Blackhawk Community 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 Blackhawk Community Credit Union Business Credit Card

Anyone can cut a check and offer up a handshake. At Blackhawk Community Credit Union, that's not the way we do business. Yes, we offer affordable commercial loans - we've been doing that for decades. But we'll also pair you up with a personal relationship manager who will take the time to talk with you, understand your goals and make sure you're getting the right type of financing to move your business forward. Commercial Visa® credit cards for fast purchases.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 5:30pm
  • Saturday 8:30am - 12:00pm

Other Services by Blackhawk Community Credit Union

Feature Breakdown

Annual Fee $0
Cash Advance Fee (%) 0%
Cash Advance Fee Minimum $0
Minimum Cash Advance Fee ($) $0
No Annual Fee
No Interest Grace Period for Late Payment 21 days
Foreign Currency Transaction Fee 1%
Late Fee Amount Up to $10
Minimum Interest Charge $0.50
Returned Payment Fee Up to $10
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
Rewards Type No Rewards
Balance Computation Average Daily Balance Method
Cash Advance APR (Variable APR) 9.45% - 11.45%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 9.45% - 11.45%
Balance Transfer Fee % 0%
Balance Transfer Fee Minimum $0
Balance Transfer APR (Variable APR) 9.45% - 11.45%
Card Network Visa
Card Type
  • Low Interest

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