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Manage your expenses with an RCU Commercial Rewards Visa. It allows you to handle business expenses separately and set individual spending limits for each employee cardholder. All spending generates Rewards Points that can be used to cover travel expenses, purchase merchandise, and more.
To apply for an RCU Commercial Reward Visa, stop by any RCU office to pick up an application or call 715-552-3001 to have an application mailed to you.
It's Simply Better
When you carry the RCU Commercial Rewards Visa, you:
Get a low, competitive rate - now just 8.00% APR
Pay no annual charge - ever!
Earn rewards for using it
Get no-fee balance transfers for 90 days
Online Services
Pay your RCU Commercial Rewards Visa online. Plus, obtain account information, transfer money from your RCU accounts to your card, schedule payments, view account history, and discontinue paper statements.
Other benefits include:
Earn Points2U reward points
No annual charge
Low competitive rate
25-day interest-free grace period
Easy application process, approved locally
No transaction charges for purchases
Make payments on eBranch or at any RCU office
Several automatic payment options
Optional credit insurance protection
Peace of Mind
RCU protects cardholders with sophisticated fraud-fighting tools that proactively predict, monitor, and prevent fraud from occurring.
Other enhancements include:
Travel and emergency assistance services
Emergency card disbursement
Lost or stolen card reporting
Auto rental collision damage
Warranty manager
Purchase security
Travel assistance
Roadside dispatch service
Personal identity theft coverage
Online purchase protection with Verified by Visa
Apply for your RCU Commercial Rewards Visa.*
Use the Credit Card Payoff Calculator.
*You must be a Member of RCU to complete this application. Join RCU.
| Rates & Disclosures |
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Annual Percentage Rate Visa:
8.00% APR as of 02/18/2010 |
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Variable Rate Information: The interest will be set on a variable rate. We may increase or decrease the Annual Percentage Rate (APR) beginning with the first billing cycle of the next calendar quarter and the first billing cycle of the next calendar quarter thereafter. Each date on which the rate may be changed by us is called “changed date.” Beginning with the first change date, the rate applicable to this card will be based on an index. The APR on each change date shall equal the highest prime rate published in The Wall Street Journal “Money Rate” tables on the last date of the publication in the calendar month preceding each change date plus a margin of 4.5 percentage points. The quarterly Periodic Rate is 1/4th of the APR.
Before each change date we will calculate your new APR by adding 4.5 percentage points to the current index. This will be your new rate until the next change date. The calculation of APR shall result in a minimum rate of 8% and a maximum rate of the allowable usury ceiling. If we, on any change date, fail to increase the rate in accordance with changes in the index, we will not carry over and add any portion of that increase to any adjustment made on subsequent change dates. In addition, there is a delinquency charge such that the sum of the underlying interest and this charge shall equal 18% per annum. It is applied in this fashion: should there be a failure to have the account current for two months, then interest at a rate not to exceed 18% shall be imposed from the date of the delinquency and shall continue for a period of six months in which there is no delinquency or payment less than called for in the note or agreement, in which event the delinquency rate shall be removed and the underlying rate applied as long as you are current. |
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Grace Period: You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed. |
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Method of Computing the Balance for Purchases:
Average daily balance (including new purchases). |
Minimum Finance Charge: $0.50 |
Over the Limit Charge: $10.00 |
Cash Advances & Balance Transfer Charges:
You will incur a charge of 3% with a minimum of $10 and a maximum of $75 for these services. Interest accrues from date of advance or transfer. No-fee balance transfers for the first 90 days after account opening. |
Late Payment Charge: $20.00 |
The information about the cost of the cards described in this application is accurate as of 02/18/2010. This information may have changed after that date. |
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