Last Updated: 04/18/2025
SCTU Business Rewards World Elite Mastercard
Unaffiliated
in Business Credit Cards from STCU
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
14.99% - 24.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.99% - 24.99%(Verified 06/21/2024)
Annual Fee
$0
Credit Score Range
670 - 850
SCTU Business Rewards World Elite Mastercard Review
This is a rewards card issued by STCU. If you're wondering whether SCTU Business Rewards World Elite Mastercard is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 9 months.
- APRs: SCTU Business Rewards World Elite Mastercard has a variable regular purchase APR that ranges from 14.99% up to 24.99%.
- 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.
- $0 intro annual fee for the first year. SCTU Business Rewards World Elite Mastercard gives you the chance to have the card for a year without paying the $0 annual fee.
- A 3% balance transfer fee. SCTU Business Rewards World Elite Mastercard 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of SCTU Business Rewards World Elite Mastercard
| 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 14.99% up to 24.99% . The card has a variable balance transfer APR that ranges from 14.99% up to 24.99% .
It also has a variable cash advance APR that ranges from 20.99% up to 28.99% .
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 1.90% for a period of 9 months from account opening.
This business card does offer an introductory APR rate on new purchases of 0% for a period of 9 months.
| Purchase APR | 14.99% - 24.99% |
| Balance Transfer APR | 14.99% - 24.99% |
| Cash Advance APR | 20.99% - 28.99% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A returned payment fee of up to $25.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | up to $25 |
Does it offer a cash back or rewards program?
Yes, SCTU Business Rewards World Elite Mastercard 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:
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- Every Purchase
- Gas stations
- Office Supply Stores
- Restaurants
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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Hours of Operation
Sunday
Closed
Monday
7:30AM - 5:30PM
Tuesday
7:30AM - 5:30PM
Wednesday
7:30AM - 5:30PM
Thursday
7:30AM - 5:30PM
Friday
7:30AM - 6:00PM
Saturday
Closed