Business Credit Card Rates & Disclosures

If you would like to apply for a business credit card online, please review the rates and click the Apply Now button below.

Interested in applying for a consumer credit card? View our consumer credit card rates.

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Rates effective as of April 1, 2014
SAFE Credit Union Business Credit Card Rate Sheet  
SAFE Credit Union Business Credit Card Rate Sheet  

The following disclosure represents important details concerning SAFE Credit Union's credit cards. The information is accurate as of and may change after this date. You may call us toll free at
(800) SEE-SAFE or write us at SAFE Credit Union, P.O. Box 1057, North Highlands, CA 95660 to inquire if any changes have occurred since the date stated above.

  Visa® Business Credit Card
Interest Rates and Interest Charges

Annual Percentage
Rate (APR)
for Purchases

1.90% introductory APR for six months1. After that, your APR will be 9.90% - 15.90% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances and Balance Transfers
9.90% - 15.90%
when you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
Penalty APR and
When it Applies
21.90% This APR may be applied to your account if you:
  • Make a late payment
  • Make a payment that is returned.
How long will the Penalty APR apply? If your APRs are increased for either of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying
Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at
Annual Fee None
Transaction Fees
Balance Transfer None
Cash Advance None
Foreign Transaction Up to 1% of the transaction amount in U.S. dollars.
Penalty Fees
Late Payment $15 or the current minimum payment amount, whichever is less.
Returned Payment At cost, not to exceed $10.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

1 Introductory APR is available to well-qualified applicants only.