First Financial Federal Credit Union of Maryland Business Visa Credit Card

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First Financial Federal Credit Union of Maryland Business Visa Credit CardAs a small business owner, you need to have credit that is separate from your personal finances. The First Financial Federal Credit Union of Maryland believes that you will benefit most from their Business Visa credit card.

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However, the first thing that you need to know about this credit card is that it is a credit card for small business. What’s more, you have to be able to personally guarantee the payments for this credit card and your personal Social Security number is required in order to apply.

First Financial FCU of Maryland Business Visa Credit Card Overview

In order to apply for this card, you do have to have a business account with the First Financial FCU. You have to have a sole proprietor checking account, business checking account or a Commercial money market account in order to apply for credit card.

What’s more, they limit the type of small business that you can own in order to apply for business account. You must be the sole owner and you cannot have any employees.

The maximum credit limit for this business credit card is $20,000. The upside is that you can open account with only $5 just as you can for a personal account with this credit union.

First Financial FCU of Maryland Business Visa Credit Card Terms

This business credit card is a low interest credit card with an APR of 7.9% to 10.9%. Of course, this also means you have to have very good to perfect credit in order to qualify for this credit card.

There is no annual fee for this card and you get a one-month grace period for all new purchases. There is a .05% cash back reward that is paid out at the end of every year.

All the terms and conditions for this credit card are in compliance with the Federal Reserve credit card rules, which applies to business as well as personal credit card accounts.

Verdict on the First Financial FCU of Maryland Business Visa Credit Card

This has an excellent low interest rate, which makes it very beneficial to businesses that plan to carry a month-to-month credit card balance. The downside to this card is that it requires your personal information when you apply.

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