Excite Credit Union Visa Business Cash Rewards
Not enough votes for recommendation
Explore a similar product
Try this top product in Business Credit Cards.
| 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 |
|---|---|
|
|
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.
| 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:
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
- 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.
Message From Excite Credit Union business credit card
Contact
- Headquarters
-
265 Curtner Ave.
San Jose,, CA 95125 USA - (800) 232-8669
- Visit Site
- Email Support
Other Services by Excite Credit Union
Feature Breakdown
| Introductory Rate | 3.99 |
| Purchase Intro APR Period (Variable APR) | 9 months |
Be the first to rate
Would you recommend Excite Credit Union Visa Business Cash Rewards to your friends?
Other Business Credit Cards
- ABNB FCU Business VISA Rate Credit Card
- Altra Federal Credit Union Visa Business Credit Card
- Berkshire Bank Visa® Business Cash Card
- Centris Federal Credit Union Visa® Business Card
- F&M Bank Business Card
- F&M Bank Business Cash Preferred Card
- Merchants Bank Visa Business
- Merchants Bank Visa Business Scorecard
- Mountain View Bank Business Cash Preferred Card
- Nevada State Bank Amazing Business Visa Card
- Notre Dame FCU Business Platinum Credit Card
- Spark 1.5X Miles Select
