As the only business credit card available to First Community Credit Union (FFCU) members, the FFCU Visa Business Card offers many different benefits not usually associated with a credit union credit card. However, this card is only available to small businesses and corporations. If you are an individual looking for a credit card, First Community has many additional options available.
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Applying for the FCCU Visa Business Card
There are two different types of business credit card applications available through the FCCU website. The first is an express or quick application that is designed for businesses that are looking for a card with a credit limit that is $10,000 or less. The other is for businesses that are looking for credit card limits of up to $30,000.
Despite the size of the credit limit, the business card is known as the Visa Business Platinum Card. In addition, the annual percentage rates, fees, and minimum finance charges are all the same.
Details, Fees and Annual Percentage Rates of the FCCU Visa Business Card
The annual percentage rate for the FCCU Visa Business Card is based on you and your business’s credit worthiness. The standard interest rate is the current prime rate + 8%, and that amount can fluctuate.
There is no annual fee for the Visa Business Card, and there is no minimum finance charge either. This means that if you are carrying a zero balance on your card, you will not be assessed a finance charge. Some credit cards stipulate that the minimum finance charge for a card can be as much as $2 per billing period, potentially adding $24 a year onto your credit card expenses.
However, a late fee is assessed if you are 15 days late with your payment. It is important to look at the fees and fine print of your card to be sure you are aware of all charges.
If you want to compare credit cards quickly and easily, just click below.
- First Community Credit Union Visa Classic Secured Credit Card
- First Community Credit Union MasterCard Credit Card
- First Community Credit Union Visa Gold Credit Card
- First Community CU of Houston MasterCard Platinum Rewards Credit Card
- First Community Credit Union Visa Classic Credit Card
- First Community Credit Union Visa Platinum Preferred Credit Card
- First City Credit Union Share Secured Visa Platinum Credit Card