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  Excite Credit Union Visa Business Cash Rewards

Excite Credit Union Visa Business Cash Rewards

in Business Credit Cards from Excite Credit Union

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Excite Credit Union Visa Business Cash Rewards

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in Business Credit Cards from Excite Credit Union

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Highlights
Purchase APR  (Variable APR) 12.74 - 19.24
Balance Transfer APR  (Variable APR) 14.74 - 21.24
Credit Score Range 700 - 850
Annual Fee N/A

Excite Credit Union Visa Business Cash Rewards Review

Key Takeaways
  • Competitive APRs. Excite Credit Union Visa Business Cash Rewards has a variable 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 3.00% 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, price protection, purchase protection, travel accident insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Excite Credit Union business credit card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3.99%.
  • No balance transfer fee.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Travel accident insurance.
  • Cardholders can earn rewards on their purchases.
  • Excite Credit Union Visa Business Cash Rewards reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3.00%.
  • You don't earn rewards on every purchase.
Excite Credit Union business credit card FAQ

Who is Excite Credit Union business credit card designed for?

This is a credit card issued by Excite Credit Union. 

This business card is designed for small business owners with good credit. The minimum credit score to apply is 700.

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.

Excite Credit Union business credit card Rates & Terms
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.

Excite Credit Union business credit card Fees
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 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:

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
  • Price Protection
  • Travel Accident Insurance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 232-8669.

What is the support contact email?

The support contact email for this business credit card is service@excitecu.org.

Does Excite Credit Union Visa Business Cash Rewards report your account activity to credit bureaus?

Yes, Excite Credit Union Visa Business Cash 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 Excite 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.
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 Visa Business Cash Rewards

An incredible option for cashback opportunities, the Visa® Cash Rewards card is an excellent alternative for when your travel points and local discounts just aren’t enough. This credit card option earns money back with every transaction, from the grocery store to the gas station and beyond. The Visa® Cash Rewards card provides 1% back per transaction or $1 per $100 spent. Throughout your yearly credit card expenditures, this number will quickly grow.

Contact

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

Other Services by Excite Credit Union

Feature Breakdown

Introductory Rate 3.99
Purchase Intro APR Period (Variable APR) 9 months
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 3.00
Late Fee Amount Up to 10
Returned Payment Fee Up to 10
Customer Type Business
Minimum Age 21
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Price Protection
  • Purchase Protection
  • Emergency Support
  • Travel Accident Insurance
Rewards Categories
  • Select Merchants
Balance Computation We use a method called "average daily balance (including new purchases)."
Cash Advance APR (Variable APR) 14.74 - 21.24
Credit Limit Up to 30.00
Penalty APR (Variable APR) 17.49
Purchase APR (Variable APR) 12.74 - 19.24
Balance Transfer Fee % After Intro Period 14.74 - 21.24
Balance Transfer Intro APR Period (Variable APR) 9 months
Balance Transfer Introductory APR (Variable APR) 3.99
Balance Transfer APR (Variable APR) 14.74 - 21.24
Card Network Visa
Card Type
  • Rewards
  • Low Interest

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