Visa® Business Credit Card
Keep your business and personal expenses separate with our Visa® Business credit card.
A credit card that works hard for your business
KEY BENEFITS
Low Rates
No Annual Fee
Online tools
Why choose a Visa® Business credit card?
Our Visa® Business credit card is built to give you flexibility, savings, and control — all while keeping business and personal expenses separate.
Smart value
- Variable interest rates as low as 13.50% APR*
- No fees for cash advances or balance transfers
- No minimum finance charges
- No interest on purchases when paid in full each month
Flexible access
- Credit limits up to $50,000
- Use as overdraft protection for your business checking account
- Accepted at millions of locations worldwide
Tools for your team
- Get employee cards with unique credit limits
- Free online access to view transactions and make payments
- Track and manage business spending easily
Visa® Business credit card details: your credit card, explained
Effective date
Friday, December 19, 2025
| Type | APR (Low) | APR (High) | Perks |
|---|---|---|---|
| Visa Business Credit Card | 13.50% | 18.00% | Same rates for cash advances and balance transfers. |
*APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account. | |||
Your APR may vary and is determined monthly based on the value of an index. The index is the month-end, prime rate for the previous calendar month as published by the Federal Reserve. Oregon State Credit Union will add a graduated margin amount between 6.50% and 12.50% depending on the Visa product and based on the creditworthiness of the member to this variable index. The total of the index plus the margin amount that is added will be your APR. The interest rate will be rounded up to the nearest one quarter of one percentage point. Any adjustment to your APR will take effect on the first day of the billing cycle. Please contact Oregon State Credit Union for any changes in card terms disclosed. View disclosures: Visa credit card agreement and disclosure; Visa Business Guide to Benefits. | |||
Visa Business credit card rates
Visa Business Credit Card
*APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account.
Your APR may vary and is determined monthly based on the value of an index. The index is the month-end, prime rate for the previous calendar month as published by the Federal Reserve. Oregon State Credit Union will add a graduated margin amount between 6.50% and 12.50% depending on the Visa product and based on the creditworthiness of the member to this variable index. The total of the index plus the margin amount that is added will be your APR. The interest rate will be rounded up to the nearest one quarter of one percentage point. Any adjustment to your APR will take effect on the first day of the billing cycle. Please contact Oregon State Credit Union for any changes in card terms disclosed. View disclosures: Visa credit card agreement and disclosure; Visa Business Guide to Benefits.
| Fee type | Product fees |
|---|---|
| Card application fee | No charge |
| Cash advances | No charge |
| Balance transfers | No charge |
| Purchase transaction fee | No charge |
| Cash advance fee | No charge |
| Minimum finance charge | No charge |
| Late payment fee | $25 |
Visa Business credit card fees
Card application fee
Cash advances
Balance transfers
Purchase transaction fee
Cash advance fee
Minimum finance charge
Late payment fee
- To calculate your balance, we use a method called “average daily balance” (including new purchases).
- How to avoid paying interest: Your payment due date is approximately 27 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
- Credit card tips: Visit the website of the Consumer Financial Protection Bureau (CFPB) to learn more about factors to consider when applying for or using a credit card at consumerfinance.gov/learnmore.
Contact us for help with your lost or stolen cards: call 541-714-4000.
Business owners, did you know that beginning January 1, 2024 you may be required to report certain information about your company to the United States Government?
- To access resources, stay informed about important dates, and learn about filing your business information, visit the FinCen page: Beneficial Ownership Information Reporting.
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