Business Visa Purchase Card

If you’re running a business, a universally accepted credit card can be your company’s life line for handling daily expenses.

Manage your business expense accounts from the convenience of your desk!

Manage your business credit card transactions anytime, anywhere.

Top Features

Increase or decrease employee credit limits
View and Manage Cardholder purchases
Create/Delete Cardholders
Customize restrictions on employee cards
No annual fee

Additional Features

Credit-line options to meet your needs
No balance transfer fees
View detailed reports from your portal

Reach out directly to our Business Services line to start an application at 801-476-3500 or contact the business relationship manager for your area:

Cordon Barker

Weber and Box Elder County
801-476-5102

Gonzalo Gonzalez

Weber County
801-786-8495

Latara Baker

Cache County
435-713-1812

Caitlin Mason

Davis & Salt Lake County
801-476-5155

Reagan Woodward

Washington County
435-656-7216

Kodie Murray

Weber and Box Elder County
801-476-5103

Have a local Goldenwest Business Services Specialist contact you:

Name

Daytime Phone Number

Email Address

Thank you! We have received your information. Someone will contact you soon.

VISA BASIC/VISA REWARDS AND THE AGGIE CARD
SIMPLY PLATINUM/SIMPLY PLATINUM REBATE
APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Visa Basic
11.24% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

VISA Rewards and The Aggie Card
12.74% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Simply Platinum
9.75% - 18.00%, based on your creditworthiness.

Simply Platinum Rebate
12.75% - 18.00%, based on your creditworthiness.

Visa Signature
16.74%. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Basic

11.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Rewards and The Aggie Card

12.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Simply Platinum

9.75% to 18.00%, based on your creditworthiness.

Simply Platinum Rebate

12.75% to 18.00%, based on your creditworthiness.

Visa Signature

16.74%. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Visa Basic
11.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Rewards and The Aggie Card
12.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Simply Platinum
9.75% to 18.00%, based on your creditworthiness

Simply Platinum Rebate
12.75% to 18.00%, based on your creditworthiness

Visa Signature
16.74%. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

- Annual Fee

None

Transaction Fees

- Balance Transfer Fee

None

- Cash Advance Fee

1.50% of the amount of each cash advance

- Foreign Transaction Fee

1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars

Penalty Fees

- Late Payment Fee

Up to $22.00

- Returned Payment Fee

Up to $22.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Effective Date:
The information about the costs of the card described in this application is accurate as of May 1, 2023. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Basic, Visa Rewards and The Aggie Card, Simply Platinum and Simply Platinum Rebate are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

OTHER DISCLOSURES

Late Payment Fee

$22.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.

VISA BASIC/VISA REWARDS AND THE AGGIE CARD
SIMPLY PLATINUM/SIMPLY PLATINUM REBATE
APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Visa Basic
11.24% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

VISA Rewards and The Aggie Card
12.74% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Simply Platinum
9.75% - 18.00%, based on your creditworthiness.

Simply Platinum Rebate
12.75% - 18.00%, based on your creditworthiness.

Visa Signature
16.74%. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Basic

11.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Rewards and The Aggie Card

12.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Simply Platinum

9.75% to 18.00%, based on your creditworthiness.

Simply Platinum Rebate

12.75% to 18.00%, based on your creditworthiness.

Visa Signature

16.74%. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Visa Basic
11.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Visa Rewards and The Aggie Card
12.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Simply Platinum
9.75% to 18.00%, based on your creditworthiness

Simply Platinum Rebate
12.75% to 18.00%, based on your creditworthiness

Visa Signature
16.74%. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

- Annual Fee

None

Transaction Fees

- Balance Transfer Fee

None

- Cash Advance Fee

1.50% of the amount of each cash advance

- Foreign Transaction Fee

1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars

Penalty Fees

- Late Payment Fee

Up to $22.00

- Returned Payment Fee

Up to $22.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

OTHER DISCLOSURES

Late Payment Fee

$22.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.

Business Visa Purchase Card

If you’re running a business, a universally accepted credit card can be your company’s life line for handling daily expenses.

Manage your business expense accounts from the convenience of your desk!

Top Features

Additional Features

Reach out directly to our Business Services line to start an application at 801-476-3500 or contact the business relationship manager for your area:

Cordon Barker

Gonzalo Gonzalez

Latara Baker

Caitlin Mason

Reagan Woodward

Kodie Murray

Have a local Goldenwest Business Services Specialist contact you:

VISA BASIC/VISA REWARDS AND THE AGGIE CARDSIMPLY PLATINUM/SIMPLY PLATINUM REBATEAPPLICATION AND SOLICITATION DISCLOSURE

VISA BASIC/VISA REWARDS AND THE AGGIE CARDSIMPLY PLATINUM/SIMPLY PLATINUM REBATEAPPLICATION AND SOLICITATION DISCLOSURE

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VISA BASIC/VISA REWARDS AND THE AGGIE CARD
SIMPLY PLATINUM/SIMPLY PLATINUM REBATE
APPLICATION AND SOLICITATION DISCLOSURE

VISA BASIC/VISA REWARDS AND THE AGGIE CARD
SIMPLY PLATINUM/SIMPLY PLATINUM REBATE
APPLICATION AND SOLICITATION DISCLOSURE