Last Updated: 04/18/2025
HFCU Visa® Business Platinum Credit Card
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
10.49% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
10.49% - 18.00%(Verified 06/21/2024)
Annual Fee
$0
Credit Score Range
670 - 850
HFCU Visa® Business Platinum Credit Card Review
This is a card issued by Houston Federal Credit Union. If you're wondering whether HFCU Visa® Business Platinum Credit Card is the right card for you, read on.
Key Takeaways
- APRs: HFCU Visa® Business Platinum Credit Card has a variable regular purchase APR that ranges from 10.49% up to 18.00%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% 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, extended warranty protection on purchases, identity theft protection, purchase security, 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 HFCU 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 10.49% up to 18.00% . The card has a variable balance transfer APR that ranges from 10.49% up to 18.00% .
It also has a variable cash advance APR that ranges from 10.49% up to 18.00% .
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does offer an introductory APR rate on new purchases of 2.99% for a period of 6 months.
| Purchase APR | 10.49% - 18.00% |
| Balance Transfer APR | 10.49% - 18.00% |
| Cash Advance APR | 10.49% - 18.00% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $15 .
- A returned payment fee of up to $30.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 |
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $30 |
| Late Payment Fee | up to $15 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
8:00AM - 2:00PM