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  Michigan State University Federal Credit Union Business Cash Back Visa

Michigan State University Federal Credit Union Business Cash Back Visa

in Business Credit Cards from Michigan State University Federal Credit Union

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Michigan State University Federal Credit Union Business Cash Back Visa

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in Business Credit Cards from Michigan State University Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 11.9% - 17.9%
Balance Transfer APR  (Variable APR) 11.9% - 17.9%
Credit Score Range 650 - 850
Annual Fee $0

Michigan State University Federal Credit Union Business Cash Back Visa Review

Key Takeaways
  • Competitive APRs. Michigan State University Federal Credit Union Business Cash Back Visa has a variable purchase APR that ranges from 11.9% up to 17.9%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback 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 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Michigan State University Federal Credit Union Business Cash Back Visa
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Michigan State University Federal Credit Union Business Cash Back Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.
Michigan State University Federal Credit Union Business Cash Back Visa FAQ

Who is Michigan State University Federal Credit Union Business Cash Back Visa designed for?

This is a credit card issued by Michigan State University Federal Credit Union. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 11.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 11.9% up to 17.9%.

It also has a variable cash advance APR that ranges from 11.9% up to 17.9%. Note that late payments are subject to an APR of 18% 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?

No, this business card does not come with an introductory APR offer for balance transfers.

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

Michigan State University Federal Credit Union Business Cash Back Visa Rates & Terms
Purchase APR 11.9% - 17.9%
Balance Transfer APR 11.9% - 17.9%
Cash Advance APR 11.9% - 17.9%
Penalty APR 18%

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.
  • An overlimit fee of $25.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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.

Michigan State University Federal Credit Union Business Cash Back Visa Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Late Payment Fee $25

Does it offer a cash back rewards program?

The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Every Purchase

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 (517) 333-2424.

What is the support contact email?

The support contact email for this business credit card is eservices@msufcu.org.

Does Michigan State University Federal Credit Union Business Cash Back Visa report your account activity to credit bureaus?

Yes, Michigan State University Federal Credit Union Business Cash Back Visa 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 Michigan State University 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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Message From Michigan State University Federal Credit Union Business Cash Back Visa

Carry the card that rewards you with 1% cash back on all of your business purchases - MSUFCU's Business Cash Back Visa Credit Card.  Low rate. 1% cash back on all purchases. Chip protected. No application or annual fees. Overdraft protection for your checking account. Worldwide access to funds at participating institutions.

Contact

Hours of Operation

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

Other Services by Michigan State University Federal Credit Union

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View all business credit cards offered by Michigan State University Federal Credit Union

Feature Breakdown

Annual Fee $0
Cash Advance Fee (%) 0%
Cash Advance Fee Minimum $0
Minimum Cash Advance Fee ($) $0
Minimum Interest Charge $0
No Annual Fee
Foreign Currency Transaction Fee 3%
Late Fee Amount $25
No Interest Grace Period for Late Payment 0 days
Over-Limit Fee $25
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Rates
  • Every Purchase
Balance Computation Average daily balance
Cash Advance APR (Variable APR) 11.9% - 17.9%
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 11.9% - 17.9%
Balance Transfer APR (Variable APR) 11.9% - 17.9%
Card Network Visa
Card Type
  • Cashback

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