Provident Credit Union Business Visa Credit Card

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

• Competitive APRs. Provident Credit Union Business Visa Credit Card has a variable 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.
• 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 your credit score is above 650.

Pros & Cons of Provident Credit Union Business Visa Credit Card

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.

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.
• An overlimit fee of $15.

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:

• Every Purchase

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 (650) 522-8564.

What is the support contact email?

The support contact email for this business credit card is efiel@providentcu.org.

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

Yes, Provident 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 Provident 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.