Business Visa® disclosure, rates and fees

  • Annual Percentage Rate (APR)* on purchases: 9.99% - 18.00%
  • Fixed APR on cash advances and balance transfers: 18.00%

*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 11.50% 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. The minimum APR will be 9.99%. The maximum APR will be 18.00%, or as set by applicable law. Please contact Oregon State Credit Union for any changes in card terms disclosed.

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 30 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.

Business Visa credit card fees
Effective Date: Wednesday, September 19th, 2018
Fee typeProduct fees
Card application fee No charge
Annual card fee** $25
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

**The annual fee is waived if the card is used at least once during a 12 month period. Otherwise, the annual fee will be due on your credit account anniversary date.

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