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  Pelican State Credit Union Business Visa Credit Card

Pelican State Credit Union Business Visa Credit Card

in Business Credit Cards from Pelican State Credit Union

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Pelican State Credit Union Business Visa Credit Card

Unaffiliated

in Business Credit Cards from Pelican State Credit Union

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Highlights
Purchase APR  (Fixed APR) 11.25%
Balance Transfer APR  (Fixed APR) 14.25%
Credit Score Range 650 - 850
Annual Fee $0

Pelican State Credit Union Business Visa Credit Card Review

Key Takeaways
  • Competitive APRs. Pelican State Credit Union Business Visa Credit Card has a fixed purchase APR of 11.25%
  • 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 Pelican State Credit Union business credit card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Pelican State Credit Union Business Visa Credit Card is accepted.
  • Pelican State Credit Union Business Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
Pelican State Credit Union business credit card FAQ

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

This is a credit card issued by Pelican State 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 fixed purchase APR of 11.25%. The card has a fixed balance transfer APR of 14.25% .

It also has a fixed cash advance APR of 14.25%.

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.

Pelican State Credit Union business credit card Rates & Terms
Purchase APR 11.25%
Balance Transfer APR 14.25%
Cash Advance APR 14.25%

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.
  • A returned payment fee of up to $5.
  • There is no overlimit fee

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.

Pelican State Credit Union business credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Balance Transfer Fee 0%
Minimum Balance Transfer Fee $0
Returned Payment Fee $5
Late Payment Fee $25

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Every Purchase

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 info@pelicanstatecu.com.

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

Yes, Pelican 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 Pelican 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.
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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 Pelican State Credit Union Business Visa Credit Card

Have the power to grow your business exponentially—right in your pocket. A low APR and no annual fees keep company funds where they belong. Upgrade to Business Visa®, a high-powered credit card to help you achieve upcoming goals with purchasing power upfront. Our low interest rates, coupled with the convenience and security of Visa, allow you the freedom to make purchases for the betterment of your business.

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 Closed

Other Services by Pelican State Credit Union

Feature Breakdown

Annual Fee $0
No Annual Fee
Over-Limit Fee $0
Cash Advance Fee Minimum $25
Foreign Currency Transaction Fee 1%
Late Fee Amount $25
Minimum Cash Advance Fee ($) Starting at $25
Returned Payment Fee $5
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
Balance Computation Average Daily Balance Including New Purchases
Cash Advance APR (Fixed APR) 14.25%
Credit Limit Up to $50,000
Purchase APR (Fixed APR) 11.25%
Balance Transfer Fee % 0%
Balance Transfer Fee Minimum $0
Balance Transfer APR (Fixed APR) 14.25%
Card Network Visa
Card Type
  • Rewards
  • Balance Transfer

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