Make your business purchases pay off
Earn cash back on your expenses and take advantage of low rates and no annual fee.
Why choose an RCU Visa® credit card?
As a growing business, you need to make the most out of every expense. With a Business Visa® Platinum credit card, you’ll earn 1x cash back rewards on every dollar spent. Plus, enjoy seriously low rates, no annual fee, and no balance transfer fee.
Highlights & benefits
Rewards points
Earn 1x rewards points for every dollar spent and easily redeem them for cash-back.
Among the lowest rates
RCU business credit cards offer lower rates than the national average for business credit cards.
No annual fee
Unlike other business credit cards, you’ll pay no annual fee.
No balance transfer fees
Move high-interest balances over at any time with no fees.
Rates*
View all RatesVariable APR for purchases
as low as % APRVariable APR for cash advances
as low as % APR
Business Visa® Platinum Preferred
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Issue cards to your employees to make company purchases easier |
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Most popular choice for small businesses |
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All cards draw from the same credit line |
Business Visa® Platinum Select
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Issue cards to your employees to make company purchases easier |
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Track spending by cardholder |
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Define a credit limit per cardholder that rolls up into one account |
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Individual statements per cardholder |
Earn points for cash back, travel, and more
Earn reward points for every dollar spent that can be used for cash back, travel, gift cards and more.
Features
Digital Wallet
Click to Pay
Tap to Pay
Security
Zero Liability
Rewards
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1
Apply for a credit card
Click the link below to get started.
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Get your card
Once you're approved, you'll get your card within 3-5 business days.
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Activate your card
The more you spend, the more you earn!
Empower your business with a Business Visa® Platinum card
When every dollar counts, RCU has the tools you need to grow and thrive.
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*Rates effective April 23, 2025. All rates, terms and special offers subject to change. Cash advance transactions and balance transfers are excluded from earning points. A foreign transaction fee of 1% applies to each transaction made in foreign currency and converted to U.S. dollars. Certain restrictions apply. For further information, please refer to the Business Visa Platinum Guide to Benefits.
Rates
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Credit Limit |
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Interest Rate |
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Grace period for repayment of balances for purchases |
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Method for computing the balance for purchases |
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Other APRs |
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Transaction Fee for Purchases |
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Balance Transfer Fees |
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Foreign Transaction Fees |
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Annual Fee |
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Transaction Fee for Cash Advances |
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Late Payment Fee |
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Over Limit Fee |
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Rewards Program |
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Rates are effective April 23, 2025 and are subject to change without notice.
*Prime Lending Rate is as of as published in the Wall Street Journal.
Business credit card online application
Let’s get started.
You will need your current business income statement and business federal tax returns. Your personal credit will be reviewed in the process.
Business membership required prior to funding.
(Eligibility requirements below.)
Are you a nonprofit?
If you are a nonprofit 501(c)(3) and would like to apply for a Business Visa® credit card, please email BusinessLoans@redwoodcu.org
Eligibility
You can apply for an RCU Business Visa® credit card if you meet the following criteria:
- You own a business headquartered in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
Additional Benefits
To view or download descriptions of your card benefits, or for information on filing a claim, please visit our Business Visa Platinum Guide to Benefits.
Forms
Business Visa Credit Card Application Form
Thank you for your interest in an RCU Business Visa Platinum Card.
*You may bring all completed forms into any RCU branch or mail it to the following address:
Redwood Credit Union
Attn: Business Services
P.O. Box 6104
Santa Rosa, CA 95406-0104
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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