PrimeWay FCU Smart Business Rewards Credit Card
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| Purchase APR (Variable APR) | 15.99 - 20.99 |
| Balance Transfer APR (Variable APR) | 15.99 - 20.99 |
| Credit Score Range | 650 - 850 |
| Annual Fee | $95 |
PrimeWay FCU Smart Business Rewards Credit Card Review
Key Takeaways
- Signup bonus. Offers a signup bonus of 20000 points after spending $500 that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. PrimeWay FCU Smart Business Rewards Credit Card has a variable purchase APR that ranges from 15.99% up to 20.99%.
- 3% Balance transfer fee. PrimeWay FCU Smart Business Rewards Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of PrimeWay FCU Smart Business Rewards Credit Card
| The Good | The Bad |
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PrimeWay FCU Smart Business Rewards Credit Card FAQ
Who is PrimeWay FCU Smart Business Rewards Credit Card designed for?
This is a credit card issued by PrimeWay Federal 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 that ranges from 15.99% up to 20.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 20.99%.
It also has a variable cash advance APR of 23.99%. Note that late payments are subject to an APR of 28.99% 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 | 15.99% - 20.99% |
| Balance Transfer APR | 15.99% - 20.99% |
| Cash Advance APR | 23.99% |
| Penalty APR | 28.99% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $95.
- A late payment penalty of up to $39.
- A returned payment fee of up to $35.
- An overlimit fee of $39.
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
|---|---|
| Annual Fee | $95 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | $35 |
| Late Payment Fee | $19 to $39 |
Does it offer a cash back or rewards program?
Yes, PrimeWay FCU Smart Business Rewards 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.
However, it does include a 20000 points signup bonus after you spend $500 that can be redeemed for travel, gifts, or other perks.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
What are the benefits?
This business credit card provides the following benefits:
- Fraud Liability
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is (713) 799-6200.
What is the support contact email?
The support contact email for this business credit card is callcenter@primewayfcu.com.
Does PrimeWay FCU Smart Business Rewards Credit Card report your account activity to credit bureaus?
Yes, PrimeWay FCU Smart Business Rewards 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 PrimeWay Federal 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.
Message From PrimeWay FCU Smart Business Rewards Credit Card
Contact
- Headquarters
-
12811 Northwest Freeway
Houston, TX 77040 USA - (713) 799-6200
- Visit Site
- Email Support
Other Services by PrimeWay Federal Credit Union
Feature Breakdown
| Annual Fee | $95 |
| Cash Advance Fee (%) | Up to 4 |
| Cash Advance Fee Minimum | 10 |
| Foreign Currency Transaction Fee | 0 |
| Late Fee Amount | 19 - 39 |
| Minimum Cash Advance Fee ($) | Starting at 10 |
| Minimum Interest Charge | 2 |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 30 days |
| Over-Limit Fee | 39 |
| Returned Payment Fee | 35 |
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