Business Visa Low Rate Credit Card
APR as low as
11.50%
Fixed Rate
If you’re running a business, a universally accepted credit card can be your company’s life line for handling daily expenses.
It doesn’t get any better than a Business Visa credit card with a low-fixed rate, no annual fee, and no balance transfer fees.
Top Features
- Low-fixed rate
- No annual fee
- No balance transfer fees
Additional Features
- Worldwide acceptance at retailers and ATMs
- Purchase security extended protection
- Assign authorized users
Features available on Business Low Rate and Business Rewards Cards :
Account Access
Review your Visa credit cards, including available balances and transaction history, 24/7 from the convenience of your personal computer or mobile device.
Card Controls
With Card Controls, members enjoy greater Visa card security. Disable your lost or stolen Visa cards immediately right from your mobile phone.
Mobile Wallets
Goldenwest Visa credit cards can be activated on several mobile wallets including Apple Pay, Google Pay and Samsung Pay to make purchases with your authorized mobile device.
Instant Issue
Why wait 7-10 business days for your Visa credit card to arrive in the snail mail? All Goldenwest branches offer Visa card instant issue, giving you immediate access to your line of credit!
Contactless Payment
Goldenwest Visa credit cards feature contactless technology for a fast, easy, and secure checkout.
eAlerts
Visit the online branch to enroll in eAlerts to receive customized texts and/or email messages about transaction activity, funds availability and payment due dates for your Visa cards.
EMV Chip Security
Goldenwest Visa credit cards feature EMV microchips to better store and protect your personal account information.
Purchase Security and Extended Protection
Purchase Security and Extended Protection automatically protect many new retail purchases that you make with your eligible Visa Business card.
Business Travel Accident Insurance
Business Travel Accident Insurance is accidental death and dismemberment insurance to cover you while you are traveling.
Visa SavingsEdge
Save automatically on everyday business purchases with dozens of name brand merchants. Plus, activate additional offers for even greater savings after you enroll your Visa Business Card with Visa SavingsEdge.
Porch Theft Protection
You’ve made the ultimate purchase and have received notification that your package was delivered, but when you get home your porch is empty. You don’t get frustrated, because you bought the item with your eligible VISA card so you may be covered with Theft Only Purchase Security.
For more information, reach out to your local Business Services Expert!
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
0.00% Introductory APR for a period of six billing cycles
10.74% - 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
0.00% Introductory APR for a period of six billing cycles
12.24% - 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
0.00% Introductory APR for a period of six billing cycles
11.75% - 18.00%, based on your creditworthiness.
Simply Platinum Rebate
0.00% Introductory APR for a period of six billing cycles
14.75% - 18.00%, based on your creditworthiness.
Visa Signature
0.00% Introductory APR for a period of six billing cycles
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
0.00% Introductory APR for a period of six billing cycles
11.50%. This APR will vary with the market based on the Prime Rate.APR for Balance Transfers
Visa Basic
10.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
12.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% to 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.50%. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
Visa Basic
10.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
12.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% to 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.50%. 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 January 1, 2025. 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, The Aggie Card, Simply Platinum, Simply Platinum Rebate, Visa Signature, and Visa Share Secured 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.
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.
Card Replacement Fee
$5.00
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
0.00% Introductory APR for a period of six billing cycles
10.74% - 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
0.00% Introductory APR for a period of six billing cycles
12.24% - 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
0.00% Introductory APR for a period of six billing cycles
11.75% - 18.00%, based on your creditworthiness.
Simply Platinum Rebate
0.00% Introductory APR for a period of six billing cycles
14.75% - 18.00%, based on your creditworthiness.
Visa Signature
0.00% Introductory APR for a period of six billing cycles
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
0.00% Introductory APR for a period of six billing cycles
11.50%. This APR will vary with the market based on the Prime Rate.APR for Balance Transfers
Visa Basic
10.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
12.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% to 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.50%. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
Visa Basic
10.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
12.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
11.75% to 18.00%, based on your creditworthiness.
Simply Platinum Rebate
14.75% to 18.00%, based on your creditworthiness.
Visa Signature
16.24%. This APR will vary with the market based on the Prime Rate.
Visa Share Secured
11.50%. 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 January 1, 2025. 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, The Aggie Card, Simply Platinum, Simply Platinum Rebate, Visa Signature, and Visa Share Secured 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.
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.
Card Replacement Fee
$5.00
Disclosures
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers
Business VISA without Rewards Credit Card
11.50%
Business VISA with Rewards Credit Card
13.50%
Business VISA Cash Back Credit Card
17.49%
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.
Minimum Interest Charge
None
For Credit Card Tips from the Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov.
FEES
Annual Fee
None
Transaction Fees
Balance Transfer Fee
None
Cash Advance Fee
1.50% of each cash advance
Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
Transaction Fee for Purchases
None
Penalty Fees
Late Payment Fee
Up to $22.00 if you are 15 or more days late in making a payment
Over-the-Credit Limit Fee
None
Returned Payment Fee
$22.00
Other Fees
Card Replacement Fee
Up to $5.00
Document Copy Fee
$5.00
Rush Fee
Up to $55.00
Research Charge Fee
Up to $20.00 per hour
Balance Transfers. We may permit you to transfer the balance of an account that you owe to another creditor to your account with us. If we approve a balance transfer, finance charges will be calculated and will accrue according to the same method as for cash advances.
Method for Computing the Balance for Purchases. Average Daily Balance (Including New Purchases)
Minimum Payment. Your monthly payment will 2.50% of your total new balance, or $25.00, whichever is greater plus outstanding unpaid fees and charges, all prior unpaid payments and any amount that exceeds your credit limit.
