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  Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card

Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card

in Business Credit Cards from Centris Federal Credit Union

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Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card

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in Business Credit Cards from Centris Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 15.99%
Balance Transfer APR  (Variable APR) 15.99% - 20.99%
Credit Score Range 650 - 850
Annual Fee $0 - $95

Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card Review

Key Takeaways
  • Signup bonus. Offers a signup bonus of $200 if you spend $500.
  • Signup bonus. Offers a signup bonus of 20000 points after spending $500 that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card has a variable purchase APR of 15.99%
  • Cash rewards. This credit card offers cash rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
  • Annual fee waived the first year. Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card gives you the chance to have the card for a year without paying the $0 annual fee.
  • 3% Balance transfer fee. Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • 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 oods if your credit score is above650.
Pros & Cons of Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card
The Good The Bad
  • Earn 20,000 bonus rewards points when you spend just $500 in the first 90 days of account opening; the equivalent of $200 Cash Back.
  • No caps or point limits.
  • Lower than average purchase APRs.
  • Annual fee waived during the first year.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card reports to multiple credit bureaus.
  • Charges a 3% balance transfer fee.
Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card FAQ

Who is Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card designed for?

This is a credit card issued by Centris 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 of 15.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 20.99%.

It also has a variable cash advance APR of 23.99%. Note that late payments are subject to an APR of 28.99% 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.

Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card Rates & Terms
Purchase APR 15.99%
Balance Transfer APR 15.99% - 20.99%
Cash Advance APR 23.99%
Penalty APR 28.99%

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 $39.
  • A returned payment fee of up to $35.
  • An overlimit fee of $39.

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $35
Late Payment Fee $19 to $39

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make.

  • 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

Does it have a sign up bonus?

Yes, it offers card users a signup bonus worth up to $200 after you spend $500.

However, it does include a 20000 points signup bonus after you spend $500 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:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (402) 334-7000.

What is the support contact email?

The support contact email for this business credit card is centris@centrisfcu.org.

Does Centris Federal Credit Union Smart Business Rewards Visa Signature® Credit Card report your account activity to credit bureaus?

Yes, Centris Federal Credit Union Smart Business Rewards Visa Signature® 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 Centris 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.
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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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 5:30pm
  • Saturday 9:00am - 1:00pm

Other Services by Centris Federal Credit Union

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View all business credit cards offered by Centris Federal Credit Union

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

Every Purchase (Points) 1
Every Purchase (Points) 2X points per $1 spent in your top two spend categories each month – automatically • 1x points monthly per $1 spent on other eligible purchases
Foreign Currency Transaction Fee 0%
No Annual Fee First Year
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 24 days
Annual Fee $0 - $95
Cash Advance Fee (%) Starting at 4%
Cash Advance Fee Minimum $10
Late Fee Amount $19 - $39
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2
Over-Limit Fee $39
Returned Payment Fee Up to $35
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
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Points on Travel
  • Points on Every Purchase up to $500 quarterly
Signup Bonus $200
Signup Bonus (points) 20,000
Balance Computation "Average daily balance (including new purchases)".
Cash Advance APR (Variable APR) 23.99%
Penalty APR (Variable APR) 28.99%
Purchase APR (Variable APR) 15.99%
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Fee Minimum $5
Balance Transfer APR (Variable APR) 15.99% - 20.99%
Card Network Visa
Card Type
  • Rewards
  • Cashback
  • Bonus Offers

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