Last Updated: 04/18/2025
Provident Credit Union Business Visa Credit Card
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
11.65% - 16.65%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
12.65% - 17.65%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
650 - 850
Provident Credit Union Business Visa Credit Card Review
This is a rewards card issued by Provident Credit Union. If you're wondering whether Provident Credit Union Business Visa Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Provident Credit Union Business Visa Credit Card has a variable regular purchase APR that ranges from 11.65% up to 16.65%.
- 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.
- A 4% balance transfer fee. Provident Credit Union Business Visa Credit Card charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
- 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 you have a fair credit score or better.
Pros & Cons of Provident Credit Union Business Visa 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 11.65% up to 16.65% . The card has a variable balance transfer APR that ranges from 12.65% up to 17.65% .
It also has a variable cash advance APR that ranges from 12.65% up to 17.65% . Note that late payments are subject to an APR of 18% 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 10.65% for a period of 6 months from account opening.
This business card does offer an introductory APR rate on new purchases of 9.65% for a period of 6 months.
| Purchase APR | 11.65% - 16.65% |
| Balance Transfer APR | 12.65% - 17.65% |
| Cash Advance APR | 12.65% - 17.65% |
| Penalty APR | 18% |
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 $28 .
- A returned payment fee of up to $35.
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 | $0 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 4% |
| Minimum Balance Transfer Fee | $10 |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $28 |
Does it offer a cash back or rewards program?
Yes, Provident Credit Union Business Visa 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 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.
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Message from Provident Credit Union Business Visa Credit Card
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 - 6:00PM
Saturday
9:00AM - 2:00PM