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Business Credit Cards

 

Unlock limitless possibilities for your business with a Business Visa® Credit Card to provide the support you need to fuel your ambitions and empower your ventures.

 

WHAT YOU GET

Manage your finances and track business spending, all on one reliable card.

No Annual Fee

You won't have to pay an annual fee for all the benefits that come with your Azura Business Visa Card.

Great Rates

Make the most of your business transactions with competitive rates.

Reliable Support

Get your staff the tools they need to get the job done onsite, online or on-the-go!

Tracking

Manage and track your business expenses with flexible tools tailored for your business.

Getting Started is Easy!

Schedule an appointment and we'll be ready when you are.

Or, you can submit an interest form to connect with our Business Specialists.

 

I'm Interested in a Business Visa® Credit Card

Why Get a Business Credit Card?

No matter how big or small your business is, keeping your finances separate from your personal accounts is essential. With a Business Credit Card, you'll be able to:

  • Keep business charges off your personal credit report
  • Keep expenses separate
  • Make tax expenses easier to find in one place
  • Enjoy favorable rates

What’s the Difference Between a Small Business Credit Card and a Personal Credit Card?

When considering a small business credit card versus a personal card, there are several key differences to keep in mind:

  • Spending Power and Credit Limit
    • A business credit card typically offers higher spending limits than personal cards. The credit limit is determined based on your personal creditworthiness and the financial health of your business.
    • Personal credit cards usually have lower credit limits since they're primarily based on your individual credit score and income.
  • Bookkeeping and Expense Tracking:
    • Using a business credit card lets you keep all your business-related expenses in one place. This streamlined approach can simplify bookkeeping and make it easier to track business expenditures during tax season.
    • Mixing personal and business expenses on a personal credit card can make it challenging to separate and categorize business-related costs when managing your finances.
  • Liability and Consumer Protections:
    • Business credit cards may offer limited liability protection for unauthorized charges but generally have fewer consumer protections than personal credit cards. The liability for fraudulent charges might rest more on the business owner's shoulders.
    • Personal credit cards benefit from the strong consumer protections provided under the Credit Card Act of 2009. This law safeguards against unauthorized charges and billing errors, giving individuals more peace of mind.

It's essential to weigh these differences carefully and consider your business's needs and financial situation. For many small business owners, a dedicated business credit card is often a more practical and beneficial option, providing distinct advantages in terms of financial management and potential credit-building opportunities.

 

 

 

Business Visa Credit Card - Variable Rate

Effective Date: Wednesday, October 30, 2024

Business Visa Credit Card - Variable Rate

TYPERATE
Standard Rate 14.99%
Penalty Rate 18.99%

Subject to credit approval.

*APR=Annual Percentage Rate

Business Visa Credit Card Disclosure

Business Visa Disclosure Table

Variable Rate for Purchases

14.99%, when you open your account, based on creditworthiness. Interest Rate will vary with the market based on the Prime Rate.

Variable Rate for Cash Advance14.99%, when you open your account, based on creditworthiness. Interest Rate will vary with the market based on the Prime Rate.
Variable Rate for Balance Transfers14.99%, when you open your account, based on creditworthiness. Interest Rate will vary with the market based on the Prime Rate. Interest charges will be calculated and will accrue according to the same method as purchases.
Penalty Rate18.99%, when you open your account, based on creditworthiness. Interest Rate will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on PurchasesYour due date is at least 25 days after the close of each billing cycle. We will not charge you an interest on purchases if you pay your entire balance by the due date each month.
Minimum PaymentYour monthly payment will be 2.50% of your total new balance, or $20.00, whichever is greater plus outstanding unpaid fees and charges, all prior unpaid payments and any amount that exceeds your credit limit.

Business Visa Credit Card Fees

Business Visa Disclosure Fees

Transaction Fees
- Card Replacement Fee
- Statement Copy Fee
- Rush Fee
- Foreign Transaction Fee


$10.00
$3.00 per statement
$40.00
$2.00% of each transaction in U.S. Dollars

Penalty Fees
- Late Payment Fee
- Over the Limit Fee
- Returned Check Fee


$20.00
$20.00
$24.00

Membership Benefits

At Azura, we are dedicated to innovative banking solutions. We give our members awesome benefits because we know when they succeed, the communities we serve succeed.
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