Commercial Visa® Credit Card — United Federal Credit Union

Commercial Visa® Credit Card — United Federal Credit Union is a business credit card from United Federal Credit Union. The annual fee is $0. The ongoing APR is 18.00%-18.00% APR after a 0% APR introductory rate for 12 months. Rewards: Unlimited 2% cash back (certain restrictions, limitations and exclusions apply; see the CardPerks Terms and Conditions). Typical credit limit: $5,000 - $100,000 card limit. Loan terms: Revolving business credit card; minimum payment 3% of outstanding balance or $20, whichever is greater; 25-day interest-free grace period on purchases; no grace period on balance transfers or cash advances (finance charge from the posting date). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Primary bureau pull: Equifax per community data. Accessible via free ACC membership (American Consumer Council).

Sources & citations

• Rewards, Apply link, Lender name, Annual fee, Loan terms, Underwriter, Issuer, Product name, Product type, Sign-up bonus, Other conditions, Credit limit / amount, How to apply: https://unitedfcu.com/business/borrow/commercial-credit-card (checked 2026-10-23)
• Lender email, Lender phone: https://www.unitedfcu.com/contact-us
• Where it's offered, Personal guarantee, Foreign transaction fee, Reports to personal credit: https://unitedfcu.com/personal/bank/credit-cards/compare-credit-cards (checked 2026-04-28)
• Lender website: https://unitedfcu.com
• Credit bureau: https://www.doctorofcredit.com/which-credit-bureau-does-each-card-issuer-pull/
• Application rules: https://frequentmiler.com/credit-card-application-tips/
• Personal credit check: https://www.consumerfinance.gov/ask-cfpb/whats-the-difference-between-a-hard-inquiry-and-a-soft-inquiry-en-1317/ (checked 2026-04-28)