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  Langley Federal Credit Union Platinum Visa Business

Langley Federal Credit Union Platinum Visa Business

in Business Credit Cards from Langley Federal Credit Union

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Langley Federal Credit Union Platinum Visa Business

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in Business Credit Cards from Langley Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 9% - 18%
Balance Transfer APR  (Variable APR) 9% - 18%
Credit Score Range 600 - 850
Annual Fee N/A

Langley Federal Credit Union Platinum Visa Business Review

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Competitive APRs. Langley Federal Credit Union Platinum Visa Business has a variable purchase APR that ranges from 9% up to 18%.
  • 3% Balance transfer fee. Langley Federal Credit Union Platinum Visa Business charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Langley Federal Credit Union business credit card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Langley Federal Credit Union Platinum Visa Business is accepted.
  • Langley Federal Credit Union Platinum Visa Business reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
Langley Federal Credit Union business credit card FAQ

Who is Langley Federal Credit Union business credit card designed for?

This is a credit card issued by Langley Federal Credit Union. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 9% up to 18%. The card has a variable balance transfer APR that ranges from 9% up to 18%.

It also has a variable cash advance APR that ranges from 9% up to 18%. Note that late payments are subject to an APR of 4% 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 0% for a period of 12 months from account opening.

This business credit card does not offer an introductory rate on new purchases.

Langley Federal Credit Union business credit card Rates & Terms
Purchase APR 9% - 18%
Balance Transfer APR 9% - 18%
Cash Advance APR 9% - 18%
Penalty APR 4%

What fees does it charge?

The following fees apply to this business credit card:

  • A late payment penalty of up to $25.
  • A returned payment fee of up to $25.
  • An overlimit fee of $25.

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.

Langley Federal Credit Union business credit card Fees
Fees Amount
Foreign Transaction Fee 1%
Balance Transfer Fee 3%
Returned Payment Fee $25
Late Payment Fee $25

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:

  • Every Purchase

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 is the customer service phone number?

The customer service number for this business card is (757) 827-5328.

Does Langley Federal Credit Union Platinum Visa Business report your account activity to credit bureaus?

Yes, Langley Federal Credit Union Platinum Visa Business 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 Langley Federal 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.
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Contact

Hours of Operation

  • Sunday Closed
  • Monday 6:00am - 2:00am
  • Tuesday 6:00am - 2:00am
  • Wednesday 6:00am - 2:00am
  • Thursday 6:00am - 3:00am
  • Friday 6:00am - 3:00am
  • Saturday 6:00am - 12:00pm

Other Services by Langley Federal Credit Union

Feature Breakdown

Cash Advance Fee (%) 3%
Foreign Currency Transaction Fee 1%
Late Fee Amount $25
Over-Limit Fee $25
Returned Payment Fee $25
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Categories
  • Every Purchase
Balance Computation Average Daily Balance (Including New Purchases)
Cash Advance APR (Variable APR) 9% - 18%
Penalty APR (Variable APR) 4%
Purchase APR (Variable APR) 9% - 18%
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 9% - 18%
Card Network Visa
Card Type
  • Rewards

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