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Your business or other organization will have to open at least one account with Jeanne D’Arc Credit Union, which serves as the membership account. Then you can utilize the other business products that JDCU offers, like the Business Visa card.
JDCU Business Visa Credit Card Rates and Fees
Jeanne D’Arc Credit Union, JDCU, offers this business credit card with an introductory rate of 3.99% for the first six months. After this time period, the rate will range between 9.99% and 15.99%. Your business’s exact rate will be determined based upon its credit history and annual revenue, or based on the owner’s credit history.
The cash advance and balance transfer APR are the same as the purchase APR: the introductory rate and then the personalized rate. However, while purchases receive a grace period of up to 25 days before they accrue interest, balance transfers and cash advances begin accruing interest on their posting date.
There are no annual fees, maintenance fees, or credit card balance transfer fees associated with this card. The cash advance fee is 2%. Perhaps one of the biggest benefits to this card if you or your employees travel overseas is the low credit card foreign transaction fee. JDCU Business Visa only charges a 1% fee if there is a currency conversion involved, and only 0.8% if there is no conversion.
According to Forbes Magazine’s article “8 Considerations for Using Your Credit Card Abroad”, many credit cards charge as much as 3% for every foreign transaction. If you travel overseas often, this card could save your company a substantial amount of money on these fees.
Jeanne D’Arc Credit Union Membership
To apply for this Business Visa credit card, your company must first be a member of JDCU. Any business, non-profit organization, religious institution, or voluntary organization that is in Fitchburg, Leominster, Harvard, Lunenburg or Lancaster, Massachusetts, Essex or Middlesex counties in Massachusetts, or in Hillsborough or Rockingham counties in New Hampshire can apply. Or, if most of the employees or members are eligible for membership, the business is as well.
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