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Up to 2%
Cash back
$0
Annual fee
0%
Intro purchase APR
for the first 90 days (then 9.9% to 17.9% variable)
0%
Intro balance transfer
for the first 12 billing cycles (then 9.9% to 17.9% variable)
Annual fee | $0 |
---|---|
Welcome Offer | N/A |
Rewards | 2% cash back on all purchases |
Purchase APR | 0% intro for the first 90 days (then 9.9% to 17.9% variable) |
Balance transfer APR | 0% intro for the first 12 billing cycles (then 9.9% to 17.9% variable) |
Recommended minimum credit score | 580 |
Issuer | Mastercard |
Review by
Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.
To apply for this card, you must first join the credit union.
After you’re approved for membership, it’s easy to apply:
The entire process should take about 15 minutes, and many customers receive an answer either immediately or by mail.
This card is great for smaller businesses and business owners just starting out. The intro APR on balance transfers makes this a fantastic option for rolling your accumulated expenses onto one card, and the authorized user features make beginners’ business accounting easy.
Before applying, you’ll need to become a member of the Randolph-Brooks Federal Credit Union.
You’ll submit basic personal and financial information that includes your:
You need a fair to excellent score — typically 580 or higher — for approval, barring major defaults or black marks on your credit record.
Past customer complaints include criticism of the speed that payments are posted as well as the quality of service they received while attempting to settle issues over the phone.
Once approved, your card should arrive in the mail within two weeks. If you need your account number sooner — say, to set up autopay — call customer service after approval.
This card could be your go-to for your business spending with the perk of unlimited cash back. No annual, cash advance or balance transfer fees combined with a generous introductory period for cash advances and balance transfers makes it a solid option for those whose business is just starting to boom.
Before you apply, compare your credit card options to find the best that fits your needs.