Last Updated: 04/18/2025
Finex CU Smart Business Rewards Visa Signature® Card
Unaffiliated
from Finex Credit Union
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Annual Fee
Credit Score Range
Finex CU Smart Business Rewards Visa Signature® Card Review
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 21.24% up to 26.24%.
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
- $0 intro annual fee for the first year. $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Finex CU Smart Business Rewards Visa Signature® Card
| The Good | The Bad |
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What are the relevant APRs?
Does it have an introductory APR offer?
| Purchase APR | 21.24% - 26.24% |
| Balance Transfer APR | 21.24% - 26.24% |
| Cash Advance APR | Starting at 29.99% |
| Penalty APR | 32.49% |
What fees does it charge?
- There is no annual fee.
- A late payment penalty of up to $39 .
- A returned payment fee of $35.
Does it charge a foreign transaction fee?
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | $35 |
| Late Payment Fee | $19 to $39 |
Does it offer a cash back or rewards program?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
Does it offer an annual 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.
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Other Business Credit Cards from Finex Credit Union
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
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