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  Collins Community Business Choice Rewards
Collins Community Business Choice Rewards
in Business Credit Cards from Collins Community Credit Union
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Collins Community Business Choice Rewards

Unaffiliated
in Business Credit Cards from Collins Community Credit Union
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Highlights
Purchase APR  (Variable APR) 10.15%
Balance Transfer APR  (Variable APR) 10.15%
Credit Score Range 650 - 850
Annual Fee $0

Collins Community Business Choice Rewards Review

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • Competitive APRs. Collins Community Business Choice Rewards has a variable 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 1% every time you make a transaction outside the U.S.
  • Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, 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 Collins Community Business Choice Rewards

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • No annual fee.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere Collins Community Business Choice Rewards is accepted.
  • Collins Community Business Choice Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

Collins Community Business Choice Rewards FAQ

Who is Collins Community Business Choice Rewards designed for?

This is a credit card issued by Collins Community 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 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.

Collins Community Business Choice Rewards Rates & Terms
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.
  • An overlimit fee of $15.

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.

Collins Community Business Choice Rewards Fees
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:

  • 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.

What are the benefits?

This business credit card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • 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 (800) 475-1150.

What is the support contact email?

The support contact email for this business credit card is memberservices@collinscu.org.

Does Collins Community Business Choice Rewards report your account activity to credit bureaus?

Yes, Collins Community Business Choice Rewards 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 Collins Community 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.
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Message From Collins Community Business Choice Rewards

Ignite your business' financial future with our Visa® Business Choice Rewards Credit Card. Our Visa Business Choice Rewards card provides small business owners, executives, and travelers with the convenience and rewards you're looking for. Earn points just for using your Visa® Business Choice Reward card. Choose from over 6 million exciting and exclusive reward options including travel, high-end merchandise, event tickets, gift cards, and account credits (cash back).

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Collins Community Credit Union

Feature Breakdown

Annual Fee $0
Cash Advance Fee (%) Up to 3%
Cash Advance Fee Minimum $5
Foreign Currency Transaction Fee 1%
Late Fee Amount Up to $15
Minimum Cash Advance Fee ($) Starting at $5
Minimum Interest Charge $0.50
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $15
Returned Payment Fee Up to $30
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Every Purchase
APR Type Variable APR
Balance Computation Average daily balance (including new purchases)
Cash Advance APR (Variable APR) 10.15%
Purchase APR (Variable APR) 10.15%
Balance Transfer Fee % 0%
Balance Transfer Fee Minimum $0
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 10.15%
Card Network Visa
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest

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