Business Credit Cards

Manage your expenses with an RCU Commercial Rewards Visa. It allows you to handle business expenses separately and set individual spending limits for each employee cardholder.

Points2U Rewards

Earn reward points each time you use your card.
As an RCU Platinum Rewards Visa cardholder, you automatically earn one point for every dollar you spend (excludes returns and cash advances), and your monthly electronic Points2U statement keeps you updated with your total. Accumulated points stay on your account for five years.

Reward points can be redeemed for home goods, electronics, travel, downloads, and more! You can take home a reward for as few as 750 points.

View a rewards list.

Verified by Visa

Visa offers online protection of your RCU Platinum Rewards Visa. The first time you use your card through the Visa network for a purchase over the Internet at a participating merchant, you will be prompted to create a unique password. This password will help verify your identity during future Internet purchases at participating vendors.

Learn more.

Take advantage of the security, reliability, and convenience that comes with the RCU Platinum Rewards Visa. You'll enjoy features like acceptance at millions of locations, global recognition, and protection from fraudulent purchases.

Apply for your RCU Platinum Rewards Visa.*

It's Simply Better

When you carry the RCU Platinum Rewards Visa, you:

Get a low, competitive rate - now just 7.75% APR

Pay no annual charge - ever!

Earn rewards for using it

Get no-fee balance transfers for 90 days

Online Services

Pay your RCU Platinum Rewards Visa online. Plus, obtain account information, transfer money from your RCU accounts to your card, schedule payments, view account history, and discontinue paper statements.

Other benefits include:

Earn Points2U reward points

No annual charge

Low competitive rate

No less than 26-day interest-free grace period

Easy application process, approved locally

No transaction charges for purchases

Make payments on eBranch or at any RCU office

Several automatic payment options

Optional credit insurance protection

Peace of Mind

RCU protects cardholders with sophisticated fraud-fighting tools that proactively predict, monitor, and prevent fraud from occurring.

Other enhancements include:

Travel and emergency assistance services

Emergency card disbursement

Lost or stolen card reporting

Auto rental collision damage

Warranty manager

Purchase security

Travel assistance

Roadside dispatch service

Personal identity theft coverage

Online purchase protection with Verified by Visa

Apply for your RCU Platinum Rewards Visa.*
Use the Credit Card Payoff Calculator.

*You must be a Member of RCU to complete this application. Join RCU.
This information is valid only for consumer RCU Platinum Rewards Visa cards.

Rates & Disclosures

Annual Percentage Rate Visa:

7.75% APR as of 02/16/2010

Variable Rate Information: The interest will be set on a variable rate. We may increase or decrease the Annual Percentage Rate (APR) beginning with the first billing cycle of the next calendar quarter and the first billing cycle of each calendar quarter thereafter. Each date on which the rate may be changed by us is called "changed date." The rate applicable to this card will be based on an index. The APR shall equal the highest prime rate published in the Wall Street Journal "Money Rate" tables on the last date of publication in the calendar month preceding each change date plus a margin of 4.5 percentage points not to exceed the allowable usery ceiling. The minimum finance charge that will be imposed is $0.50. If we, on any change date, fail to increase the rate in accordance with the changes in the index, we will carry over and add any portion of that increase to any adjustment made on subsequent change dates.

In addition, there is a past due charge such that the sum of the underlying interest and this charge shall equal 18% per annum. It is applied in this fashion: should there be a failure to have the account current for two months, then the interest rate, not to exceed 18%, shall be imposed two months from that date and shall continue for a period of six months during which there is no past due of payment less than called for in the note of agreement, in which even the past due rate shall be removed and the underlying rate applied as long as you are current.

Grace Period: You have no less than 26 days to repay your balance for purchases before a finance charge on purchases will be imposed.

Method of Computing the Balance for Purchases:
Average daily balance (including new purchases).

Minimum Finance Charge: $0.50

Cash Advances & Balance Transfer Charges:
You will incur a charge of 3% with a minimum of $10 and a maximum of $75 for these services. Interest accrues from date of advance or transfer. No-fee balance transfers for the first 90 days after account opening.

Late Payment Charge:

Statement Balances through $250 ..................	$20.00
Statement Balances $250.01 and above ..........	$30.00

The information about the cost of the cards described in this application is accurate as of 02/18/2010. This information may have changed after that date.