Last Updated: 04/18/2025
Excite Credit Union Visa Business Cash Rewards
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
12.74% - 19.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
14.74% - 21.24%(Verified 06/21/2024)
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Annual Fee
N/A
Credit Score Range
700 - 850
Excite Credit Union Visa Business Cash Rewards Review
This is a rewards card issued by Excite Credit Union. If you're wondering whether Excite Credit Union Visa Business Cash Rewards is the right card for you, read on.
Key Takeaways
- APRs: Excite Credit Union Visa Business Cash Rewards has a variable regular purchase APR that ranges from 12.74% up to 19.24%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3.00% 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, price protection, purchase security, travel accident insurance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Excite Credit Union business credit card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 12.74% up to 19.24% . The card has a variable balance transfer APR that ranges from 14.74% up to 21.24% .
It also has a variable cash advance APR that ranges from 14.74% up to 21.24% . Note that late payments are subject to an APR of 17.49% 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?
Yes, this business card offers an introductory APR rate on balance transfers of 3.99% for a period of 9 months from account opening.
This business card does offer an introductory APR rate on new purchases of 3.99% for a period of 9 months.
| Purchase APR | 12.74% - 19.24% |
| Balance Transfer APR | 14.74% - 21.24% |
| Cash Advance APR | 14.74% - 21.24% |
| Penalty APR | 17.49% |
What fees does it charge?
The following fees apply to this business credit card:
- A late payment penalty of up to $10 .
- A returned payment fee of up to $10.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 3.00%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 | 3.00% |
| Returned Payment Fee | up to $10 |
| Late Payment Fee | up to $10 |
Does it offer a cash back or rewards program?
Yes, Excite Credit Union 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Select Merchants | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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.
View Excite Credit Union Visa Business Cash Rewards's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 Excite Credit Union business credit card
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 2:00PM
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