Last Updated: 04/18/2025
Everwise Credit Union Visa® Business Rewards Credit Card Account
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
19.49%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
19.49%(Verified 06/21/2024)
Annual Fee
N/A
Credit Score Range
N/A
Everwise Credit Union Visa® Business Rewards Credit Card Account Review
This is a rewards card issued by Everwise Credit Union. If you're wondering whether Everwise Credit Union Visa® Business Rewards Credit Card Account is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 19.49%
- A 5.00% balance transfer fee. Everwise Credit Union Visa® Business Rewards Credit Card Account charges a fee of 5.00% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.00.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2.00% every time you make a transaction outside the U.S.
Pros & Cons of Everwise Credit Union Visa® Business Rewards Credit Card Account
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR of 19.49%. The card has a variable balance transfer APR of 19.49% .
It also has a variable cash advance APR of 29.49%. Note that late payments are subject to an APR of 29.49% 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 | 19.49% |
| Balance Transfer APR | 19.49% |
| Cash Advance APR | 29.49% |
| Penalty APR | 29.49% |
What fees does it charge?
The following fees apply to this business credit card:
- A late payment penalty of up to $25.00 .
- A returned payment fee of $25.00.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 2.00%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 |
| Foreign Transaction Fee | 2.00% |
| Balance Transfer Fee | 5.00% |
| Minimum Balance Transfer Fee | $5.00 |
| Returned Payment Fee | $25.00 |
| Late Payment Fee | up to $25.00 |
Does it offer a cash back or rewards program?
Yes, Everwise Credit Union Visa® Business Rewards Credit Card Account 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 7:00PM
Tuesday
9:00AM - 7:00PM
Wednesday
9:00AM - 7:00PM
Thursday
9:00AM - 7:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 12:00PM