Centris FCU Business Visa Credit Card
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| 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 FCU Business Visa Credit Card Review
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $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 FCU Business Visa 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 FCU Business Visa Credit Card gives you the chance to have the card for a year without paying the $0 annual fee.
- 3% Balance transfer fee. Centris FCU Business Visa 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 odds if your credit score is above 650.
Pros & Cons of Centris FCU Business Visa Credit Card
| The Good | The Bad |
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Centris FCU Business Visa Credit Card FAQ
Who is Centris FCU Business Visa 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 card does not offer an introductory rate on new purchases.| 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.
| 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 or rewards program?
Yes, Centris FCU Business Visa Credit Card offers a rewards program to its customers. The rewards program allows you to earn 1% 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.
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 FCU Business Visa Credit Card report your account activity to credit bureaus?
Yes, Centris FCU 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 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.
Message From Centris FCU Business Visa Credit Card
Contact
- Headquarters
-
13120 Pierce Street
Omaha, NE 68144 USA - (402) 334-7000
- Visit Site
- Email Support
Other Services by Centris Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Annual Fee | $0 - $95 |
| Cash Advance Fee (%) | Starting at 4% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 0% |
| Late Fee Amount | $19 - $39 |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Minimum Interest Charge | $2 |
| No Annual Fee First Year | |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 24 days |
| Over-Limit Fee | $39 |
| Returned Payment Fee | Up to $35 |
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