Michigan State University FCU Business Resource
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| Purchase APR (Variable APR) |
9.9% - 15.9% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
9.9% - 15.9% (Verified 08/04/2023) |
| Annual Fee | $0 |
| Credit Score Range | 600 - 850 |
Michigan State University FCU Business Resource Review
This is a card issued by Michigan State University FCU. If you're wondering whether Michigan State University FCU Business Resource is the right card for you, read on.
Key Takeaways
- Competitive APRs. Michigan State University FCU Business Resource has a variable purchase APR that ranges from 9.9% up to 15.9%.
- 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 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 600.
Pros & Cons of Michigan State University FCU Business Resource
| 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 9.9% up to 15.9%. The card has a variable balance transfer APR that ranges from 9.9% up to 15.9%.
It also has a variable cash advance APR that ranges from 9.9% up to 15.9%. 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 card does not offer an introductory rate on new purchases.| Purchase APR | 9.9% - 15.9% |
| Balance Transfer APR | 9.9% - 15.9% |
| Cash Advance APR | 9.9% - 15.9% |
| 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.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Late Payment Fee | $25 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
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 FCU Business Resource report your account activity to credit bureaus?
Yes, Michigan State University FCU Business Resource 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 FCU Business Resource website.
- 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.
Message From Michigan State University FCU Business Resource
Contact
- Headquarters
-
MSUFCU Headquarters
3777 West Road East Lansing, MI 48823
East Lansing, MI 48823 USA - (517) 333-2424
- Visit Site
- Email Support
Other Services by Michigan State University FCU
Other Business Credit Cards by Michigan State University FCU
Feature Breakdown
| Annual Fee | $0 |
| Cash Advance Fee (%) | 3% |
| Cash Advance Fee Minimum | $5 |
| Foreign Currency Transaction Fee | 3% |
| Late Fee Amount | $25 |
| Minimum Cash Advance Fee ($) | $5 - $50 |
| Minimum Interest Charge | $0 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Over-Limit Fee | $25 |
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