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Business Visa Low Rate Credit Card

APR as low as 11.50% Fixed Rate Disclosure Information If you’re running a business, a universally accepted credit card can be your company’s life line for handling daily expenses.

It doesn’t get any better than a Business Visa credit card with a low-fixed rate, no annual fee, and no balance transfer fees.

Top Features

Low-fixed rate
No annual fee
No balance transfer fees

Additional Features

Worldwide acceptance at retailers and ATMs
Purchase security extended protection
Assign authorized users

Features

Account Access

Review your Visa credit cards, including available balances and transaction history, 24/7 from the convenience of your personal computer or mobile device.
Card Controls

With Card Controls, members enjoy greater Visa card security. Disable your lost or stolen Visa cards immediately right from your mobile phone.
Instant Issue

Why wait 7-10 business days for your Visa credit card to arrive in the snail mail? All Goldenwest branches offer Visa card instant issue, giving you immediate access to your line of credit!
Mobile Wallets

Goldenwest Credit Union Visa credit cards can be activated on several mobile wallets including Apple Pay, Google Pay and Samsung Pay to make purchases with your authorized mobile device.
Contactless Payment

Goldenwest Visa credit cards feature contactless technology for a fast, easy, and secure checkout.
eAlerts

Visit the online branch to enroll in eAlerts to receive customized texts and/or email messages about transaction activity, funds availability and payment due dates for your Visa cards.
EMV Chip Security

Goldenwest Visa credit cards feature EMV microchips to better store and protect your personal account information.
ID Navigator

Your partner against identity theft. Your Goldenwest Visa credit card includes ID Navigator Powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened. To confirm eligibility, visit cardbenefitidprotect.com
Porch Theft Protection

You’ve made the ultimate purchase and have received notification that your package was delivered, but when you get home your porch is empty. You don’t get frustrated, because you bought the item with your eligible VISA card so you may be covered with Theft Only Purchase Security.
Purchase Security and Extended Protection

Purchase Security and Extended Protection automatically protect many new retail purchases that you make with your eligible Visa Business card.
Visa SavingsEdge

Save automatically on everyday business purchases with dozens of name brand merchants. Plus, activate additional offers for even greater savings after you enroll your Visa Business Card with Visa SavingsEdge.
Travel Accident Insurance

Travel Accident Insurance is accidental death and dismemberment insurance to cover you while you are traveling.

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APR as low as

11.50^%

Fixed Rate

Disclosure Information

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers

Low-Rate Card

11.50% - 0.19%

When you open your account, based on your creditworthiness.

This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

None

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.

FEES

Annual Fee

None

Transaction Fees

Balance Transfer Fee

None

Cash Advance Fee

1.50% of each cash advance

Foreign Transaction Fee

1.00% of each multiple currency transaction in U.S. dollars

0.80% of each single currency transaction in U.S. dollars

Transaction Fee for Purchases

None

Penalty Fees

Late Payment Fee

Up to $22 if you are 15 or more days late in making a payment

Over-the-Credit Limit Fee

None

Returned Payment Fee

$22.00

Other Fees

Card Replacement Fee

$5.00

Document Copy Fee

$5.00

Rush Fee

Up to $55.00

Research Charge Fee

Up to $20.00 per hour

Balance Transfers: We may permit you to transfer the balance of an account that you owe to another creditor to your account with us. If we approve a balance transfer, finance charges will be calculated and will accrue according to the same method as for cash advances.

Method for Computing the Balance for Purchases: Average Daily Balance (Including New Purchases)

Minimum Payment: Your monthly payment will be 2.50% of your total new balance, or $25.00, whichever is greater plus outstanding unpaid fees and charges, all prior unpaid payments and any amount that exceeds your credit limit.

Low-Rate Card

0% interest Annual Percentage Rate (APR) for the first six statement cycles on all purchases and balance transfers after opening a new Low-Rate Business Visa Credit Card. After the initial six statement cycles, the remaining amount will convert to the pre-determined rate determined by creditworthiness at account opening. The 0% balance transfer offer may not be used to pay any Goldenwest Credit Union or USU Credit Union accounts. This offer is available on new Low-Rate Business Visa Credit Cards. Offer excludes consumer Visa products. One offer per business account/EIN number. Other conditions and eligibility requirements may apply. Equal Opportunity Lender.