All new Visa® Business credit card from TDECU
The purchasing power you need
to get business done
Make the smart business move
We know as a business owner you want to make certain every dollar spent really counts. So why use your hard-earned money toward paying interest charges and fees on your current business credit card? TDECU wants to help you get more out of your everyday business expenses. With an APR1 as low as 13.24%, Cash Rewards on eligible purchases, and no annual fee, the TDECU Visa® Business credit card lets you spend where it matters most, driving your business forward.
The Visa® Business from TDECU features these benefits:
0%
Introductory Purchase APR4 for the first six months
$0
Annual Fee
$0
Balance Transfer Fee on new credit cards
13.24% - 17.99%
APR for purchasesPurchase rate and fees
- No annual fees
Minimum payment and incentives
- Minimum payments as low as 2% of your balance (minimum $18)
- 25–day interest–free grace period if balance is paid in full by the next payment due date
Visa® benefits5
- Travel and Emergency Assistance Services
- Auto Rental Collision Damage Waiver
- Purchase Security
- Extended Warranty Protection
Annual Purchase Rates & Fees
|
Interest Rates and Interest Charges |
|
|---|---|
|
Annual Percentage Rate (APR) for Purchases |
0% introductory APR for purchases made within the first six months that your account is opened. |
|
APR for Balance Transfers |
0% introductory APR for the first twelve months on balance transfers processed within the first 30 business of account opening. |
|
APR for Cash Advances |
Visa® Business 13.24% - 17.99% |
| Penalty APR and When it Applies | 17.99%. This APR will vary with the market based on the Prime Rate. We may apply the Penalty APR to your account if you:
|
|
Paying Interest |
Your due date will be a minimum of 25 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. |
|
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 https://www.consumerfinance.gov/learnmore |
|
Fees |
|
|---|---|
|
Annual Fee |
None |
|
Penalty Fees |
|
|
Late Payment Fee |
Up to $25.00 |
|
Returned Payment Fee |
Up to $25.00 |
|
Transaction Fees |
|
|
Balance Transfer Fee |
5% of the balance transfer amount |
|
Phone Payment Fee |
Up to $10.00 is charged when making a payment by phone |
|
Rush Shipping Fee |
$37.50 per plastic for rush cards |
|
Cash Advance Fee |
5% minimum fee of $10.00 |
|
Foreign Transaction Fee |
2% of the total purchase amount in U.S. dollars |
|
Paper Statement Fee |
$5.00 per statement |
Visa® Business Frequently Asked Questions
Do I need a TDECU business account before applying for the Visa® Business?
Not initially. You can apply for a Visa® Business and if approved, we will open your TDECU Share Savings account, which will establish your membership.
What information will I need to provide when I apply for the Visa® Business?
You will need to provide information about you and your business, your business Tax Identification Number (TIN), and monthly income. You will also need to provide your guarantor’s information.
What is a TIN?
A TIN, or Tax Identification Number, is a nine-digit number used to identify a business in tax returns and other documents filed with the IRS. A TIN is either a Social Security number or an employer identification number (EIN).
Where can I apply for a Visa® Business?
Currently, we are only accepting online applications. Please click here to begin your online application.
How long will it take to receive my credit card?
Once approved, you will receive your Visa® Business in 7 to 10 days.
How can I check the status of my Visa® Business?
If you have questions about your existing application, please call (800) 839-1154 ext. 4618 for assistance.
What other benefits does the Visa® Business offer?
With Visa® Business, you’ll enjoy several benefits including extended warranties on most purchases, cell phone protection and a year-end summary of your charges. You’ll also save at the pump when you fuel up at participating Buc-ee’s locations2, and never worry about paying an annual fee.
1 APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
2 Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, cash advances, convenience check, purchase for cash equivalents (money orders, gift cards, prepaid cards), disputes and illegal transactions, gambling. For more information visit www.tdcu.org/rewards.
3 0% Introductory rate for purchases is good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account. Introductory benefits apply only to new credit card accounts. Existing accounts that have been converted from Mastercard® to Visa® are not considered new accounts and are not eligible for introductory benefits.
4 0% introductory rate for Balance Transfers for the first twelve months on balance transfers processed within the first 30 business days of account opening. Introductory benefits apply only to new credit card accounts. Existing accounts that have been converted from Mastercard® to Visa® are not considered new accounts and are not eligible for introductory benefits.
5 Visa benefits are powered by Visa and might end without notice. Visa Business Benefits Disclosures
Download Credit Card agreement and Disclosure for Visa Business