Last Updated: 04/18/2025
CoastLife Credit Union Smart Business Rewards Mastercard® Credit Card
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
21.24% - 26.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
21.24% - 26.24%(Verified 06/21/2024)
Annual Fee
$95
Credit Score Range
N/A
CoastLife Credit Union Smart Business Rewards Mastercard® Credit Card Review
This is a rewards card issued by CoastLife Credit Union. If you're wondering whether CoastLife Credit Union Smart Business Rewards Mastercard® Credit Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 21.24% up to 26.24%.
- $0 intro annual fee for the first year. CoastLife Credit Union Smart Business Rewards Mastercard® Credit Card gives you the chance to have the card for a year without paying the $95.00 annual fee.
- A 3.00% balance transfer fee. CoastLife Credit Union Smart Business Rewards Mastercard® Credit Card charges a fee of 3.00% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.00.
- 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.
Pros & Cons of CoastLife Credit Union Smart Business Rewards Mastercard® Credit Card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 21.24% up to 26.24% . The card has a variable balance transfer APR that ranges from 21.24% up to 26.24% .
It also has a variable cash advance APR of 29.99%. Note that late payments are subject to an APR of 32.49% 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 | 21.24% - 26.24% |
| Balance Transfer APR | 21.24% - 26.24% |
| Cash Advance APR | 29.99% |
| Penalty APR | 32.49% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $95.00 .
- A late payment penalty of up to $39.00 .
- A returned payment fee of $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 | $95.00 |
| Foreign Transaction Fee | 0.00% |
| Balance Transfer Fee | 3.00% |
| Minimum Balance Transfer Fee | $5.00 |
| Returned Payment Fee | $35 |
| Late Payment Fee | $19.00 to $39.00 |
Does it offer a cash back or rewards program?
Yes, CoastLife Credit Union Smart Business Rewards Mastercard® Credit Card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| All Other Purchases | Earn 1 point on all other eligible purchases | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 20,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
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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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
10:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 5:30PM
Saturday
Closed