Last Updated: 04/18/2025
McCoy Federal Credit Union Visa Business Platinum
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
Starting at 9.50%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 9.50%(Verified 06/21/2024)
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
600 - 850
McCoy Federal Credit Union Visa Business Platinum Review
This is a rewards card issued by McCoy Federal Credit Union. If you're wondering whether McCoy Federal Credit Union Visa Business Platinum is the right card for you, read on.
Key Takeaways
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , 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 1.5% 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, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of McCoy Federal Credit Union Visa Business Platinum
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR starting at 9.50% . The card has a variable balance transfer APR starting at 9.50% .
It also has a variable cash advance APR starting at 9.50% .
The good news is this business card does not charge a penalty APR if you are late on a payment.
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 not offer an introductory rate on new purchases.| Purchase APR | Starting at 9.50% |
| Balance Transfer APR | Starting at 9.50% |
| Cash Advance APR | Starting at 9.50% |
| Penalty APR | 0% |
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 $25 .
- A returned payment fee of up to $25.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 1.5%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $30. 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 | 1.5% |
| Balance Transfer Fee | 0% |
| Minimum Balance Transfer Fee | $0 |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
Does it offer a cash back or rewards program?
Yes, McCoy Federal Credit Union Visa Business Platinum 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | Starting at 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 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 McCoy Federal Credit Union Visa Business Platinum
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