Business Rates

Business Rewards Visa®

Rates are valid as of and are subject to change.

Disclaimers
APR for Purchases 14.90% to 18.00% introductory APR on purchases during the first six (6) months on account opening. Thereafter, your APR for purchases will be 16.90% to 18.00%. This APR is based on your credit worthiness and will vary with the market based on the Prime Rate.* Y
APR for Balance Transfers 15.90% to 18.00% for six months. After that the APR will be 17.90% to 18.00%.This APR is based on your credit worthiness and will vary with the market based on the Prime Rate.*
APR for Cash Advances 17.90% to 18.00%. This APR is based on your credit worthiness and will vary with the market based on the Prime Rate.*
Penalty APR and when it applies 18.00% APR. This APR may be applied to your account if your account is past due by two minimum payments. How long will the Penalty APR apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Minimum Interest Charge If you are charged interest, the charge will be no less than $.50.
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. We will begin charging interest on cash advances and balance transfers on the transaction date.
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 Web site of the Consumer Financial Protection Bureau.
Transaction Fees: Balance Transfer Either $10.00 or 4% for Business Rewards Visa of the amount of each transfer, whichever is greater.
Cash Advance Either $10.00 or 4% for Business Rewards Visa of the amount of each cash advance, whichever is greater.
Foreign Transaction None
Penalty Fees: Late Payment Up to $28.00
Returned Payment Up to $35.00
Over-the-Credit Limit Up to $15.00
Annual Fee None

Business Share Secured Visa®

Rates are valid as of and are subject to change.

Disclaimers
APR for Purchases 9.50% introductory APR on purchases during the first six (6) months on account opening. Thereafter, your APR for purchases will be 11.50%. This APR is based on your credit worthiness and will vary with the market based on the Prime Rate.* Y
APR for Balance Transfers 11.50% for six months. After that the APR will be 13.50%.This APR is based on your credit worthiness and will vary with the market based on the Prime Rate.*
APR for Cash Advances 13.50%. This APR is based on your credit worthiness and will vary with the market based on the Prime Rate.*
Penalty APR and when it applies 18.00% APR. This APR may be applied to your account if your account is past due by two minimum payments. How long will the Penalty APR apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Minimum Interest Charge If you are charged interest, the charge will be no less than $.50.
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. We will begin charging interest on cash advances and balance transfers on the transaction date.
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 Web site of the Consumer Financial Protection Bureau.
Transaction Fees: Balance Transfer Either $10.00 or 4% for Business Share Secured Visa of the amount of each transfer, whichever is greater.
Cash Advance Either $10.00 or 4% for Business Share Secured Visa of the amount of each cash advance, whichever is greater.
Foreign Transaction None
Penalty Fees: Late Payment Up to $28.00
Returned Payment Up to $35.00
Over-the-Credit Limit Up to $15.00
Annual Fee None

Features

  • Credit limits up to $50,000

  • Earn reward points towards travel and merchandise with every purchase, through CURewards. You earn 1 point for every $1 spent. All rewards earned will roll up to the primary card.

  • No cost for employee cards

  • Visa SavingsEdge® exclusive discounts and offers

  • Enjoy all the benefits common to every Provident Credit Union Visa®

  • Complimentary access to ID Navigator powered by NortonLifeLock™

Bring your completed application to any Provident Credit Union branch or schedule a virtual appointment.

Provident Business Rewards Visa®

Simplify bookkeeping, control expenses and earn 1 point for every $1 spent with no limits or caps. If you wish to provide cards for additional employees, you’ll be able to track expenses and cash flow with both individual statements and a summarized statement for all cards.