The Navy Federal Credit Union Business Visa is a business credit card from Navy Federal Credit Union Business Visa. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.65% - 18.00%. Approval typically requires a credit score of 650-700 or higher. Rewards: 1X Points for Every Dollar Spent. Minimum time in business: 24 months. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: • Pulls TransUnion. Freeze TU for credit limit increase hacks (forces internal scoring). • Pre-qualification tool available (soft pull). • 91-day rule for credit limit increases (25-30% of current limit). • Deposit $200+ in savings for best approval odds. • Secured → unsecured graduation path available.. [SOFT PULL ONLY] | Primarily pulls TransUnion. $5 membership fee. Soft pull pre-qualification tool available. 91-day rule for credit limit increases. | EXPERT REFERENCE (Jan 2026): Nav Prime Card is a charge card that helps build business credit without affecting personal credit. | EXPERT REFERENCE (Jan 2026): Requires Nav Prime membership at $49/month. | EXPERT REFERENCE (Jan 2026): Provides a daily spending limit based on business activity and linked business bank account. | EXPERT REFERENCE (Jan 2026): No interest or traditional credit limit; balance is paid off daily. | EXPERT REFERENCE (Jan 2026): Reports usage and repayment behavior to business credit bureaus. | EXPERT REFERENCE (Jan 2026): Initial approval amount seen was $500. | EXPERT REFERENCE (Apr 2025): No credit check, no security deposit, and no personal guarantee required