Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
12.99% - 22.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
12.99% - 22.99%(Verified 06/21/2024)
Annual Fee
$0
Credit Score Range
N/A
STCU Business Mastercard Review
This is a card issued by STCU. If you're wondering whether STCU Business 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: STCU Business Mastercard has a variable regular purchase APR that ranges from 12.99% up to 22.99%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- $0 intro annual fee for the first year. STCU Business Mastercard gives you the chance to have the card for a year without paying the $0 annual fee.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- 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 emergency support, identity theft protection, purchase security, travel assistance, and fraud protection.
Pros & Cons of STCU Business 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 12.99% up to 22.99% . The card has a variable balance transfer APR that ranges from 12.99% up to 22.99% .
It also has a variable cash advance APR that ranges from 18.99% up to 26.99% .
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 | 12.99% - 22.99% |
| Balance Transfer APR | 12.99% - 22.99% |
| Cash Advance APR | 18.99% - 26.99% |
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 | 0% |
| Minimum Balance Transfer Fee | $0 |
| Returned Payment Fee | up to $25 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
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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