Valley Strong Credit Union Business Visa Rewards Review

• Competitive APRs. Valley Strong Credit Union Business Visa Rewards has a variable purchase APR that ranges from 10.5% up to 14.5%.
• 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.
• 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 650.

The Good	The Bad
Potentially 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 Cardholders can earn rewards on purchases everywhere Valley Strong Credit Union Business Visa Rewards is accepted. Valley Strong Credit Union Business Visa Rewards reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 1%.

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 650.

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 10.5% up to 14.5%. The card has a variable balance transfer APR that ranges from 10.5% up to 14.5%.

It also has a variable cash advance APR that ranges from 12% up to 16.5%.

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

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 offer a cash back rewards program?

This business 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

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 support contact email?

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

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

Yes, Valley Strong Credit Union Business Visa Rewards 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.