Visa Signature® Business Credit Card
Turn your everyday business spending into effortless rewards.
UNLIMITED 1.5% CASH BACK AND EXTRA PERKS FOR YOUR BUSINESS
KEY BENEFITS
1.5% Cash Back
No Annual Fee
Low Rates
Why choose a Visa Signature® Business credit card?
Put more back in your business with unlimited 1.5% cash back on every purchase. Enjoy rates as low as 14.50% APR* — with no annual fee, no balance transfer fees, and no cash advance fees. Manage business expenses separately from personal ones, and take advantage of flexible features designed to support your business growth.
Easy access with your digital wallet
Add this card to your digital wallet with Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure transactions. Tap to pay wherever you see the contactless symbol, and enjoy quick, contactless checkout.
Exclusive Visa Signature® Business perks
Enjoy lifestyle and travel benefits that go far beyond basic rewards, offering cardholders a premium experience wherever they go. Learn more in the Visa Signature Business Guide to Benefits.
Visa Signature® Business credit card details: your credit card, explained
Effective date
Friday, December 19, 2025
| Type | APR (Low) | APR (High) | Perks |
|---|---|---|---|
| Visa Signature Business | 14.50% | 18.00% | Same rates for cash advances and balance transfers. Earn 1.5% cash back with each purchase. |
*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 Signature Business Guide to Benefits. | |||
Visa Signature Business credit card rates
Visa Signature Business
*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 Signature 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.
The Visa Signature® Business card’s lifestyle and travel benefits go far beyond basic rewards, offering cardholders a premium experience wherever they go. For more details about the exclusive perks Visa has to offer, view the Visa Signature® Business Guide to Benefits.
- Services like Emergency Card Replacement and Emergency Cash Disbursement ensure uninterrupted access to funds during unexpected situations.
- The Visa Luxury Hotel Collection provides elite amenities at over 900 global properties.
- Cardholders enjoy up to 25% off rental cars and discounts on golf.
- Exclusive discounts to Universal Destinations & Experiences make the Visa Signature® Business credit card a powerful companion for both everyday life and extraordinary adventures.
Watch your savings stack up each month when you redeem your 1.5% cash back and deposit in your account. Points earned are available on your monthly statement and will be deposited into your checking or savings account within 2 business days. Points are good for four years and will expire September 30th of that year. You must have $25 in total cash back points available to redeem your 1.5% rewards.
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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