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  Northeast Credit Union Business VISA Credit Card

Northeast Credit Union Business VISA Credit Card

in Business Credit Cards from Northeast Credit Union

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Northeast Credit Union Business VISA Credit Card

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in Business Credit Cards from Northeast Credit Union

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Highlights
Purchase APR  (Variable APR) 10.25
Balance Transfer APR  (Variable APR) 10.25
Credit Score Range 650 - 850
Annual Fee $0

Northeast Credit Union Business VISA Credit Card Review

Key Takeaways
  • Competitive APRs. Northeast Credit Union Business VISA Credit Card has a variable purchase APR of 10.25%
  • 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 1% 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 Northeast Credit Union Business VISA Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Northeast Credit Union Business VISA Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Northeast Credit Union Business VISA Credit Card FAQ

Who is Northeast Credit Union Business VISA Credit Card designed for?

This is a credit card issued by Northeast 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 of 10.25%. The card has a variable balance transfer APR of 10.25% .

It also has a variable cash advance APR of 10.25%.

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.

Northeast Credit Union Business VISA Credit Card Rates & Terms
Purchase APR 10.25%
Balance Transfer APR 10.25%
Cash Advance APR 10.25%

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 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.

Northeast Credit Union Business VISA Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Balance Transfer Fee 0%
Minimum Balance Transfer Fee $0
Late Payment Fee $0 to $25

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers.

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 are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the support contact email?

The support contact email for this business credit card is memberservices@necu.org.

Does Northeast Credit Union Business VISA Credit Card report your account activity to credit bureaus?

Yes, Northeast Credit Union Business VISA Credit Card 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 Northeast 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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Northeast Credit Union Business VISA Credit Card

With its purchasing convenience, available credit, and detailed reporting, our Business VISA® Platinum credit card offers what your business needs to get ahead and stay ahead. Plus it comes with great money-saving features: uChoose Rewards®. Earn uChoose Rewards bonus points while you spend which can be used on merchandise, recreation, and travel rewards. Low Rate. Pay one low, variable rate that's the same for purchases and cash advances. No Annual Fee. Save even more. Secure and automatic card updates from Visa VISA® Secure Online Payments

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 12:00pm

Other Services by Northeast Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Annual Fee $0
Cash Advance Fee (%) 0
Cash Advance Fee Minimum 0
Minimum Cash Advance Fee ($) 0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1
Late Fee Amount 0 - 25
Over-Limit Fee 25
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type Points
Balance Computation Average Daily Balance (including new purchases)
Cash Advance APR (Variable APR) 10.25
Purchase APR (Variable APR) 10.25
Balance Transfer Fee % 0
Balance Transfer Fee Minimum 0
Balance Transfer APR (Variable APR) 10.25
Card Network Visa
Card Type
  • Rewards
  • Balance Transfer

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