Last Updated: 04/18/2025
Northern Indiana FCU Visa® Business Credit Card
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
17.24% - 26.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.24% - 26.24%(Verified 06/21/2024)
Annual Fee
$0
Credit Score Range
N/A
Northern Indiana FCU Visa® Business Credit Card Review
This is a card issued by Northern Indiana Federal Credit Union. If you're wondering whether Northern Indiana FCU Visa® Business Credit Card 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 18 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 18 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.24% up to 26.24%.
- 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.
- A 3.0% balance transfer fee. Northern Indiana FCU Visa® Business Credit Card charges a 3.0% balance transfer during the intro period for the first 18 months and after that charges a fee of 3.0% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees after the intro period. The minimum fee is $5.00.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3.0% every time you make a transaction outside the U.S.
Pros & Cons of Northern Indiana FCU Visa® 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 17.24% up to 26.24% . The card has a variable balance transfer APR that ranges from 17.24% up to 26.24% .
It also has a variable cash advance APR of 29.99%. Note that late payments are subject to an APR of 32.49% 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 18 months from account opening.
This business card does offer an introductory APR rate on new purchases of 0% for a period of 18 months.
| Purchase APR | 17.24% - 26.24% |
| Balance Transfer APR | 17.24% - 26.24% |
| Cash Advance APR | 29.99% |
| Penalty APR | 32.49% |
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 $39.00 .
- A returned payment fee of up to $35.00.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 3.0%. 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 | $0.00 |
| Foreign Transaction Fee | 3.0% |
| Balance Transfer Fee | 3.0% |
| Minimum Balance Transfer Fee | $5.00 |
| Returned Payment Fee | up to $35.00 |
| Late Payment Fee | $19.00 to $39.00 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed