As a business owner, you owe it to yourself to keep your personal and business financials separated. However, according to the Federal Reserve Bank of New York, this can be complicated because as a new business, banks are less likely to offer you credit. However, if you are a long-standing business member at Arizona Central Credit Union, you may qualify for the Visa Gold Business credit card.
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In order to apply for the Arizona Central Credit Union Visa Gold Business credit card, you will have to download an application and mail it in after you have filled it out. What’s more, you have to be a business member of the Arizona Central Credit Union in order for your business to qualify for this card.
Arizona Central Credit Union Visa Gold Business Card Overview
This card is a great card for your business. It offers a low interest rate for businesses with good credit and you can get multiple cards with different credit limits that you can get for your employees.
The downside to this card is that it isn’t a rewards credit card. However, if your business wants a lower interest rate versus a rewards program then this could be the card for you. Of course, you have to keep in mind that your APR will be based upon your credit worthiness.
Initially, you will not be required to provide your own social security number to apply for this card as long as you have a business EIN from the government. However, if your businesses credit is too new then you may be required to sign a personal guarantee against the credit card debt. What this means is that if your business defaults on this card then your personal credit will be impacted as well.
Arizona Central Credit Union Visa Gold Business Card Terms
The terms for this card include:
- $25 annual fee
- 10.9% APR, although could be more based on your credit
- No penalty APR
- 5% of balance minimum monthly payment
- 25 day no interest grace period
- $25 late payment fee
- No over the limit fee
- 1% cash advance and foreign transaction fee
Arizona Central Credit Union Visa Gold Business Card Verdict
This could be a great card for business owners; however, the downsides include no rewards and the possibility of having to include your personal credit score in order to qualify. You also have to be a member of this bank to qualify.
Use the free credit card chaser tool to compare credit cards online today!
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