Last Updated: 04/18/2025
Langley Federal Credit Union Platinum Visa Business
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
9% - 18%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
9% - 18%(Verified 06/21/2024)
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Annual Fee
N/A
Credit Score Range
600 - 850
Langley Federal Credit Union Platinum Visa Business Review
This is a rewards card issued by Langley Federal Credit Union. If you're wondering whether Langley Federal Credit Union Platinum Visa Business is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- APRs: Langley Federal Credit Union Platinum Visa Business has a variable regular purchase APR that ranges from 9% up to 18%.
- A 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 up to 1% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Langley Federal Credit Union 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 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 card does not offer an introductory rate on new purchases.| 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 $25 .
- A returned payment 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.
| Fees | Amount |
| Foreign Transaction Fee | 1% |
| Balance Transfer Fee | 3% |
| Returned Payment Fee | $25 |
| Late Payment Fee | $25 |
Does it offer a cash back or rewards program?
Yes, Langley Federal 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 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.
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Message from Langley Federal Credit Union business credit card
Contact
Headquarters
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