Oregon State Credit Union Business Visa Credit Card Review

• Competitive APRs. Oregon State Credit Union Business Visa Credit Card has a variable purchase APR that ranges from 9.99% up to 18%.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

The Good	The Bad
Potentially lower than average purchase APRs. Considers applicants with fair or poor credit. Oregon State Credit Union Business Visa Credit Card reports to multiple credit bureaus.	Charges an annual fee of $25 Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Who is Oregon State Credit Union business credit card designed for?

This is a credit card issued by Oregon State Credit Union. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 9.99% up to 18%. The card has a variable balance transfer APR of 18% .

It also has a variable cash advance APR of 18%.

What fees does it charge?

The following fees apply to this business credit card:

• An annual fee of $25.
• A late payment penalty of up to $25.

Does it offer a cash back rewards program?

No, it does not offer a cash back rewards program.

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 marketing@oregonstatecu.com.

Does Oregon State Credit Union Business Visa Credit Card report your account activity to credit bureaus?

Yes, Oregon State 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 Oregon State 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.