Cobalt Credit Union Platinum Plus Business Visa
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| Purchase APR (Variable APR) | 8.25% - 17.99% |
| Balance Transfer APR (Variable APR) | Starting at 8.25% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Cobalt Credit Union Platinum Plus Business Visa Review
Key Takeaways
- Competitive APRs. Cobalt Credit Union Platinum Plus Business Visa has a variable purchase APR that ranges from 8.25% up to 17.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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 Cobalt Credit Union Platinum Plus Business Visa
| The Good | The Bad |
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Cobalt Credit Union Platinum Plus Business Visa FAQ
Who is Cobalt Credit Union Platinum Plus Business Visa designed for?
This is a credit card issued by Cobalt 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 8.25% up to 17.99%. The card has a variable balance transfer APR starting at 8.25% .
It also has a variable cash advance APR that ranges from 11.25% up to 17.99%. 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 card does not offer an introductory rate on new purchases.| Purchase APR | 8.25% - 17.99% |
| Balance Transfer APR | Starting at 8.25% |
| Cash Advance APR | 11.25% - 17.99% |
| Penalty APR | 17.99% |
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 $30.
- A returned payment fee of up to $25.
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.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Balance Transfer Fee | 0% |
| Minimum Balance Transfer Fee | $0 |
| Returned Payment Fee | $25 |
| Late Payment Fee | $5 to $30 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
What are the benefits?
This business credit card provides the following benefits:
- Fraud Liability
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is (800) 228-0392.
What is the support contact email?
The support contact email for this business credit card is contactcenter@cobaltcu.com.
Does Cobalt Credit Union Platinum Plus Business Visa report your account activity to credit bureaus?
Yes, Cobalt Credit Union Platinum Plus Business Visa 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 Cobalt 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 Cobalt Credit Union Platinum Plus Business Visa
Contact
- Headquarters
-
7148 Towne Center Parkway
Papillion, NE 68046 USA - (800) 228-0392
- Visit Site
- Email Support
Other Services by Cobalt Credit Union
Feature Breakdown
| Annual Fee | $0 |
| Cash Advance Fee (%) | Up to 3% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 1% |
| Late Fee Amount | $5 - $30 |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | $25 |
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