Last Updated: 04/18/2025
Centris FCU Business Visa Credit Card
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
15.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
15.99% - 20.99%(Verified 06/21/2024)
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Annual Fee
$0 - $95
Credit Score Range
650 - 850
Centris FCU Business Visa Credit Card Review
This is a cashback card issued by Centris Federal Credit Union. If you're wondering whether Centris FCU Business Visa Credit Card is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $200.
- Welcome offer. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Centris FCU Business Visa Credit Card has a variable regular 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.
- $0 intro annual fee for 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.
- A 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Centris FCU Business Visa Credit Card
| The Good | The Bad |
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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.
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 cash with every purchase you make.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | $200 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 20,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
Yes, it offers card users a signup bonus worth up to $200 .
However, it does include a 20000 points signup bonus 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.
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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 Centris FCU Business Visa Credit Card
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