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Business Credit Cards

Enjoy low rates and benefits fit for your business.

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Earn rewards or cash back with your business purchases

Don’t waste the perks you could be earning on your business expenses! We offer two credit card options tailored to the needs of the everyday business owner. Take a look at the features below to see which card best suits your business needs.

photo of Educators Credit Union business credit card

Comparison chart of educators business credit cards with card images

This comparison chart outlines typical features and benefits associated between our business credit cards. Please note this comparison is intended for informational purposes only and may not encompass the full range of offerings available for these cards.

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Card Benefits - Details

Business Visa® Cash Back Card

  • 1.5% Cash Back on all purchases
  • Additional 1.5% Cash Back on purchases made at home improvement stores.
  • 0% Introductory APR for 180 days3

Business Visa® Platinum Credit Card

  • uChoose Rewards®2 – Earn 1 point for every $1.00 spent. The points can be redeemed for cash, rate discounts, travel and more.
  • Travel Accident Insurance – If you charge your tickets on a common carrier, you are automatically covered up to $1,000,000.00

Card Feature and Benefit Details

  • No Fees

    No Annual Fees

    Save up to $50 a year compared to other business credit cards.

  • Dollar Bill

    No Cash Advance Fees

    Educators does not charge a higher interest rate for cash advances. Interest begins accruing the day of the cash advance.

  • Plus

    Purchase Security and Extended Protection

  • Automobile

    Concierge Services

    Receive Roadside DispatchTravel and Emergency Assistance Services, and an Auto Rental Collision Damage Waiver on your primary vehicle.

Rates

Business Visa® Credit Cards

CARD TYPE

APR1

Payment per $1,000

1APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed.
13Visa® Platinum rates start at 12.90%. Subject to credit approval. Other restrictions may apply.
14Visa® Cash Back variable rates start at 10% over Prime Rate and are adjusted monthly. Subject to credit approval. Other restrictions may apply.

CARD TYPE

Business Visa® Platinum Card13

APR1

12.90%

Payment per $1,000

$25.00

CARD TYPE

Business Visa® Cash Back Card14 

APR1

17.50%

Payment per $1,000

$25.00

Disclosures

1APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed.

2uChoose Rewards® is a registered trademark of Fiserv, Inc. To learn more about uChoose Rewards®, log in to your online account.

3Business Visa® Cash Back Intro Rate – 0% introduction rate for purchases the first 180 days. The 0% is eligible for Purchase, Cash Advances, and Balance Transfers. After the 180 day intro period regular Rates and Terms will apply.

Business Visa® Cash Back Credit Card: Cash Advances, ATM Withdrawals, Balance Transfers and Convenience Check transactions are not eligible to earn cash back.

Business Visa® Platinum Credit Card Policy: Business Visa® Platinum will be offered and serviced by Educators Credit Union. Statement cycles begin on the first day of each month and end on the last day of each month; business credit card payments are due on the 26th day of each month. The minimum monthly payment is 2% of the outstanding balance or $25, whichever is greater. A late fee of $25 will be assessed when accounts are more than 11 days past due. Business Visa® Platinum limits start at a minimum of $2,500.

Business Visa® Cash Back Credit Card Policy: Business Visa® Cash Back will be offered and serviced by Educators Credit Union. Statement cycles begin on the first day of each month and end on the last day of each month; business credit card payments are due on the 26th day of each month. The minimum monthly payment is 2% of the outstanding balance or $25, whichever is greater. A late fee of $25 will be assessed when accounts are more than 11 days past due. Business Visa® Cash Back limits start at a minimum of $2,500.