Visa® Business credit card rates and fees
Apply now: Visit a branch or call us at 541-714-4000.
Visa® Business
Visa Signature® Business
Visa Business credit card rates
Effective Date: Monday, September 15th, 2025
| Credit card | APR (Low)* | APR (High) |
|---|---|---|
| APR for cash advances | ||
| Visa Business | 9.99% | 18.00% |
| Visa Signature Business | 10.99% | 23.49% |
| APR for balance transfers | ||
| Visa Business | 9.99% | 18.00% |
| Visa Signature Business | 10.99% | 23.49% |
| *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 Credit Guide to Benefits; Visa Signature Business Guide to Benefits. | ||
How we will 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.
Visa Business credit card fees
Effective Date: Monday, September 15th, 2025
| 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 |