Excite Credit Union Visa Business Cash Rewards Review

• 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.

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.

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.

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 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:

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.