Collins Community Credit Union Business Choice Rewards Visa Credit Card
in Business Credit Cards from Collins Community Credit Union
UnaffiliatedCollins Community Credit Union Business Choice Rewards Visa Credit Card
in Business Credit Cards from Collins Community Credit Union
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| Purchase APR (Variable APR) | 10.15% |
| Balance Transfer APR (Variable APR) | 10.15% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Collins Community Credit Union Business Choice Rewards Visa Credit Card Review
- 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 Credit Union Business Choice Rewards Visa Credit Card 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.
| The Good | The Bad |
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Who is Collins Community Credit Union Business Choice Rewards Visa Credit Card 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 credit 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.
- 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.
| 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 rewards program?
This business 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:
- 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.
Can I get it with just an employer identification number (EIN)?
You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.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 Credit Union Business Choice Rewards Visa Credit Card report your account activity to credit bureaus?
Yes, Collins Community Credit Union Business Choice Rewards Visa Credit Card 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.
Message From Collins Community Credit Union Business Choice Rewards Visa Credit Card
Contact
- Headquarters
-
1005 Blairs Ferry Rd NE
Cedar Rapids, IA 52402 - (800) 475-1150
- Visit Site
- Email Support
Other Services by Collins Community Credit Union
Feature Breakdown
| Annual Fee | $0 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| 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 |
| Over-Limit Fee | $15 |
| Returned Payment Fee | Up to $30 |
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