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  Valley Strong Credit Union Business Visa Platinum

Valley Strong Credit Union Business Visa Platinum

in Business Credit Cards from Valley Strong Credit Union

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Valley Strong Credit Union Business Visa Platinum

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in Business Credit Cards from Valley Strong Credit Union

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Highlights
Purchase APR  (Variable APR) 8.5% - 14.5%
Balance Transfer APR  (Variable APR) 8.5% - 14.5%
Credit Score Range 600 - 850
Annual Fee $0

Valley Strong Credit Union Business Visa Platinum Review

Key Takeaways
  • Competitive APRs. Valley Strong Credit Union Business Visa Platinum has a variable purchase APR that ranges from 8.5% up to 14.5%.
  • 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Valley Strong Credit Union business credit card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • Valley Strong Credit Union Business Visa Platinum reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
Valley Strong Credit Union business credit card FAQ

Who is Valley Strong Credit Union business credit card designed for?

This is a credit card issued by Valley Strong Credit Union. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

This business card has a credit limit of up to 5000.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 8.5% up to 14.5%. The card has a variable balance transfer APR that ranges from 8.5% up to 14.5%.

It also has a variable cash advance APR that ranges from 10% up to 16.5%.

The good news is this business card does not charge a penalty APR if you are late on a payment.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business credit card does not offer an introductory rate on new purchases.

Valley Strong Credit Union business credit card Rates & Terms
Purchase APR 8.5% - 14.5%
Balance Transfer APR 8.5% - 14.5%
Cash Advance APR 10% - 16.5%
Penalty APR 0%

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 $10.
  • A returned payment fee of up to $30.
  • There is no overlimit fee

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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.

Valley Strong Credit Union business credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Balance Transfer Fee 0%
Minimum Balance Transfer Fee $0
Returned Payment Fee $30
Late Payment Fee $10

Does it offer a cash back rewards program?

No, it does not offer a cash back rewards program.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (661) 833-7900.

What is the support contact email?

The support contact email for this business credit card is valleystrong@valleystrong.com.

Does Valley Strong Credit Union Business Visa Platinum report your account activity to credit bureaus?

Yes, Valley Strong Credit Union Business Visa Platinum 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 Valley Strong 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Valley Strong Credit Union Business Visa Platinum

A card with flexible terms and limits tailored to your current needs. Cash advance at ATMs. Auto rental collision damage waiver. Emergency card replacement. Lost/stolen card reporting. Roadside dispatch. Travel and emergency services. Visa concierge services. Warranty manager services.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00am
  • Tuesday 9:00am - 5:00am
  • Wednesday 9:00am - 5:00am
  • Thursday 9:00am - 5:00am
  • Friday 9:00am - 6:00am
  • Saturday 9:00am - 1:00am

Other Services by Valley Strong Credit Union

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Feature Breakdown

Annual Fee $0
Minimum Interest Charge $0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $0
Cash Advance Fee (%) 2%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 1%
Late Fee Amount $10
Minimum Cash Advance Fee ($) $10
Returned Payment Fee $30
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Assistance
  • Concierge
Rewards Type No Rewards
Balance Computation Average daily balance (including new purchases)
Cash Advance APR (Variable APR) 10% - 16.5%
Credit Limit $5,000 - $100,000
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 8.5% - 14.5%
Balance Transfer Fee % 0%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer Fee Minimum $0
Balance Transfer APR (Variable APR) 8.5% - 14.5%
Card Network Visa
Card Type
  • Low Interest

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