Last Updated: 05/14/2026
Collins Community Business Choice Rewards
Unaffiliated
Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
10.15%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
10.15%(Verified 06/21/2024)
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
650 - 850
Collins Community Business Choice Rewards Review
This is a rewards card issued by Collins Community Credit Union. If you're wondering whether Collins Community Business Choice Rewards is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- APRs: Collins Community Business Choice Rewards has a variable regular purchase APR of 10.15%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, 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 Collins Community Business Choice Rewards
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR of 10.15%. The card has a variable balance transfer APR of 10.15% .
It also has a variable cash advance APR of 10.15%.
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 6 months from account opening.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 10.15% |
| Balance Transfer APR | 10.15% |
| Cash Advance APR | 10.15% |
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 $15 .
- A returned payment fee of up to $30.
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 | up to $30 |
| Late Payment Fee | up to $15 |
Does it offer a cash back or rewards program?
Yes, Collins Community Business Choice Rewards 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
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 Collins Community Business Choice Rewards
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
Other Services by Collins Community Credit Union
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