Business Banking

Put Every Business Purchase to Work

2% cash back on every purchase. Fixed 16.99% APR. Automatic Visa SavingsEdge discounts. No annual fee your first year.

Call 253-591-6881 to Apply See Full Card Details
Customer paying by card at a small business checkout

Business Visa Credit Card

Earn 2.00% cash back on every business purchase with a fixed 16.99% APR and no annual fee your first year. Visa SavingsEdge delivers automatic discounts at participating merchants with no coupons needed.

  • $100 credit after 5 purchases in first 30 days
  • 2.00% cash back on all purchases minus returns
  • Visa SavingsEdge automatic merchant discounts
  • Purchase Security and Auto Rental Collision Damage Waiver
Call 253-591-6881 to Apply
4321 •••• •••• 8765
ACU Business Member
VISA
$100
Welcome Offer

Earn $100 When You Start

Activate your new Business Visa and make 5 purchases within your first 30 days. A $100 credit will appear on your statement. New Business Visa accounts only. Subject to credit approval.

Membership Benefit

Automatic Savings at Work

Visa SavingsEdge gives your business card automatic discounts at participating merchants. No promo codes, no coupons, no manual submissions. Savings appear as statement credits on future statements. Register your card once and the program runs in the background.

Register Once

Enroll your ACU Business Visa with Visa SavingsEdge one time. No recurring setup, no annual renewal required.

Shop Normally

Use your card at qualifying merchants the same way you always do. No codes to enter, no offers to activate before checkout.

Savings Applied Automatically

Discounts appear as statement credits on your future account statements. The program works without any action from you.

Card Benefits

Everything That Comes With the Card

Six reasons the ACU Business Visa works harder for your business every day.

Fixed 16.99% APR

A rate that stays fixed for the life of the card. No surprise rate hikes tied to market conditions.

2% Cash Back

Earn on every purchase, no categories to track, no spending caps to hit before rewards kick in.

First Year Free

$49 annual fee waived for your first year. Start earning with no upfront cost and evaluate the card on its results.

EMV Chip Security

Chip-secured with Verified by Visa for safe in-person and online purchases wherever Visa is accepted.

Purchase Security

Extended protection and purchase security coverage included with every card at no additional cost.

Auto Rental Waiver

Automatic collision damage waiver when you rent a vehicle using the card. No additional insurance purchase needed.

Getting Started

Three Steps to Your Business Visa

From application to first cash back - here is how the process works for ACU members.

1

Apply by Phone or Branch

Call 253-591-6881 or visit any ACU branch. A team member reviews your application and answers any questions about the card.

2

Get Approved

Subject to credit approval. Most decisions are made locally and quickly. Once approved, your card ships within 7-10 business days.

3

Activate and Earn

Activate your card, make 5 purchases in your first 30 days, and earn $100. Then earn 2% cash back on every purchase from day one.

★★★★★
“We put every vendor payment and supply order on the ACU Business Visa. The cash back adds up fast, and we have never had a rate surprise - it has been 16.99% from day one.”
Thomas R.
South Tacoma Branch
Common Questions

Business Visa FAQ

Straightforward answers to the questions members ask most before applying. Business rates effective January 1, 2026.

The ACU Business Visa carries a fixed rate of 16.99% APR. Because it is a fixed-rate card, the APR and interest rate remain the same for the entire term and will not change based on market fluctuations.
The ACU Business Visa earns 2.00% cash back on all purchases minus returns. There are no rotating categories or spending caps to track.
The ACU Business Visa carries a $49 annual fee, but the first year fee is waived for new accounts. This makes it free to start and easy to evaluate whether the card works for your business.
Visa SavingsEdge gives ACU Business Visa cardholders automatic discounts at participating merchants, applied as statement credits. No coupons or promo codes are needed. Register your card once and discounts apply automatically when you shop at qualifying merchants.
New ACU Business Visa cardholders who activate the card and make 5 purchases within the first 30 days of opening will receive a $100 credit applied to their Business Visa statement. Subject to credit approval. New accounts only.
You can apply by calling 253-591-6881 or visiting any ACU branch office. A business services team member will review your application and walk you through the process. Subject to credit approval.
APR = Annual Percentage Rate. The ACU Business Visa carries a fixed rate of 16.99% APR. Because this is a fixed-rate card, the APR and interest rate remain the same for the entire term. $49 annual fee applies (first year waived for new accounts). New Business Visa accounts only. Subject to credit approval. $100 statement credit will appear after 5 qualifying purchases made within the first 30 days of account opening. Cash back is calculated on purchases minus returns. Visa SavingsEdge discounts are subject to change and merchant participation. NMLS #449181. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA. Equal opportunity lender.

Two Percent Back on Every Dollar You Spend

Fixed rate. First-year fee waived. Call 253-591-6881 to apply or visit any ACU branch.

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