Features
- Ability to separate personal and business transactions
- Better money management tool to track and control business expenses and employee spending
- Access to working capital to help your business grow
- Personalized support
- Low fixed interest rates
- 1.5 points for every $1 purchased
- *Rewards website is temporarily unavailable. Points will continue to accrue during this time.
- Redeem rewards for cash, travel, gift cards and merchandise
- *Rewards redemption is temporarily unavailable. Updates coming soon.
- Digital Wallet
- View Your Account Online
Rates & Fees
| Visa Credit Card Disclosure | |
|---|---|
| Business Rewards VISA® | 9.90% - 15.90% |
| Grace Period for Purchases | 25 Days |
| Method of Computing the Balances for Purchases | Average Daily Balance (Including New Purchases) |
| Annual Fee | None |
| Minimum Finance Charge | None |
| Transaction Fee for Purchases | None |
| Foreign Transaction Fee | Single Currency - 0.80%* Multiple Currencies - 1.00%* |
| Late Payment Fee | $25.00 ** |
| Cash Advance Fee | None |
| Return Check Fee | $25.00 |
** if ten (10) or more days late.
FAQs
Are there any fees on my Commercial Rewards Visa?
There are no monthly or annual fees on your Commercial Rewards Visa. However, if your payments are not made on time, you may be subject to a late fee. Please refer to the Visa Agreement and Disclosure and Rate Schedule for additional details.
What number do I call to activate my card?
To activate your Visa Credit Card please call 1-800-290-7893.
What number do I call to cancel my card if it’s lost/stolen?
To report a lost or stolen credit card please call 1-888-297-3416.
When does interest accrue?
Interest will not be charged on purchases if you pay your entire balance by the due date each month. Balance transfers, convenience checks and cash advances will begin to accrue interest on the transaction date.
Is there a grace period from my due date?
You have 10 days after your due date to make your payment before a late fee is applied.
How do I conduct a balance transfer?
- Call: (520) 381-3100 or (800) 221-4179 and ask to speak to a Commercial Loan Officer
- Submit Online: Form request for contact submitted through email.
Is there anything I should know before traveling with my Rewards Visa?
Before you travel, visit MyCard Rules in the PCFCU MyMobile app and set your travel rules or contact us at 520-381-3100 to let us know the dates and location of your trip.
How do I start earning points on my Rewards Visa?
Every time you make a purchase on your Rewards card, you will begin earning points.
Where can I earn points?
Anywhere VISA is accepted.
Where can I view my point activity?
*Rewards website is temporarily unavailable. Points will continue to accrue during this time.
When can I redeem points?
It can take up to 40 days for points to be credited to your account. You must first accumulate 1,500 points before they can be redeemed. *Rewards redemption is temporarily unavailable. Updates coming soon.
How much does it cost to participate?
There’s no cost to participate. SpendTrack is free as part of PCFCU Credit Card Program (on reward cards only).
How do I earn points when making purchases?
The points are established at 1.5 points for every $1 spent.