Campus Rewards Mastercard BusinessCard
Campus Rewards Mastercard BusinessCard Unaffiliated

Campus Rewards Mastercard BusinessCard

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Purchase APR  (Variable APR) 11.15% - 17.15%
Balance Transfer APR  (Variable APR) 11.15% - 17.15%
Credit Score Range 600 - 850
Annual Fee $0

Campus Rewards Mastercard BusinessCard Review

Key Takeaways
  • Signup bonus. Offers a signup bonus of 10000 points after spending $1,000 that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Campus Rewards Mastercard BusinessCard has a variable purchase APR that ranges from 11.15% up to 17.15%.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Campus Rewards Mastercard BusinessCard
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Access to a concierge.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Campus Rewards Mastercard BusinessCard reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
Campus Rewards Mastercard BusinessCard FAQ

Who is Campus Rewards Mastercard BusinessCard designed for?

This is a credit card issued by CAMPUS USA 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 11.15% up to 17.15%. The card has a variable balance transfer APR that ranges from 11.15% up to 17.15%.

It also has a variable cash advance APR that ranges from 11.15% up to 17.15%. Note that late payments are subject to an APR of 17.99% 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.

Campus Rewards Mastercard BusinessCard Rates & Terms
Purchase APR 11.15% - 17.15%
Balance Transfer APR 11.15% - 17.15%
Cash Advance APR 11.15% - 17.15%
Penalty APR 17.99%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • An initial processing fee of $0.
  • A late payment penalty of up to $40.
  • A returned payment fee of up to $25.
  • There is no overlimit fee

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.

Campus Rewards Mastercard BusinessCard 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 $29 to $40

Does it offer a cash back rewards program?

Yes, Campus Rewards Mastercard BusinessCard offers a rewards program to its customers.

  • Advertising Services
  • Airfare
  • 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

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

However, it does include a 10000 points signup bonus after you spend $1000 that can be redeemed for travel, gifts, or other perks.

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:

  • Fraud Liability
  • Reports to major credit bureaus

What is the support contact email?

The support contact email for this business credit card is

Does Campus Rewards Mastercard BusinessCard report your account activity to credit bureaus?

Yes, Campus Rewards Mastercard BusinessCard 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 CAMPUS USA 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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Message From CAMPUS USA Credit Union

Let a Mastercard BusinessCard® improve your purchasing power while helping with day-to-day expenses! Earn 10,000 Points when you open a new CAMPUS Rewards Mastercard BusinessCard and make $1,000 in purchases in the first 90 days. Use your CAMPUS Rewards Mastercard BusinessCard for all your daily purchases and earn 500 bonus points when $750 in purchases are made each month. Rewards points can be redeemed for merchandise, travel, gift cards, and even cash.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by CAMPUS USA Credit Union

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View all business credit cards offered by CAMPUS USA Credit Union


  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

Annual Fee $0
Cash Advance Fee (%) 0%
Cash Advance Fee Minimum $0
Initial Processing Fee $0
Minimum Cash Advance Fee ($) $0
No Annual Fee
Over-Limit Fee $0
Foreign Currency Transaction Fee 1%
Late Fee Amount $29 - $40
Returned Payment Fee Up to $25
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
  • Concierge
Rewards Categories
  • Points on Travel
  • Points on Every Purchase
Signup Bonus (points) 10,000
Balance Computation Average daily balance (excluding new purchases).
Cash Advance APR (Variable APR) 11.15% - 17.15%
Penalty APR (Variable APR) 17.99%
Purchase APR (Variable APR) 11.15% - 17.15%
Balance Transfer Fee % 0%
Balance Transfer Fee Minimum $0
Balance Transfer APR (Variable APR) 11.15% - 17.15%
Card Network Mastercard
Card Type
  • Rewards
  • Low Interest

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CAMPUS USA Credit Union Business Credit Cards