Maximize business purchases and earn rewards
Extend your cash flow, make secure purchases, and earn rewards with our Business Visa Platinum card.
Rates*
View all RatesVariable APR for purchases
as low as 13.49 % APRVariable APR for cash advances
as low as 16.49 % APRHighlights
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Reward points per $1 |
| $0 |
No annual fee or balance transfer fees |
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Separate expenses to protect personal assets from business liability |
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Issue cards to your employees to make company purchases easier |
Business Visa® Platinum Preferred
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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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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
Issue employee cards for business expenses
Enable your employees to make business-related purchases and easily monitor their spending.
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1
Apply for a credit card
Click the link below to get started.
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2
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!
Get a Business Visa Platinum Card
Purchasing for your business has never been easier—or more rewarding!
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*Rates effective April 2, 2025. All rates, terms, and special offers subject to change. 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 2, 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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