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Business VISA® Credit Cards

The EXCEL Business VISA® offers a low competitive rate of 12.50% APR (Annual Percentage Rate).

In addition to the low rate, there’s another advantage to carrying the EXCEL VISA® business credit card. With the EXCEL card there is a 25 day grace period - no interest is charged on card purchases if they are paid within 25 days of the closing date of the statement on which the charges first appear. Many financial institutions begin accruing interest at the time of purchase.

Cash advances are available with your card by presenting the card at area EXCEL branches, ATMs, or at most financial institutions. For cash advances, interest begins to accrue from the day the cash is drawn.

Plus, with the EXCEL VISA® card, you'll be rewarding yourself with ScoreCard® Reward Points each time you make a purchase. Reward Points add up fast and are redeemable for brand-name merchandise and travel awards – including airline tickets. For details, visit www.ScoreCardRewards.com.

Choosing the right business credit card depends on what is most important to you. Excel offers a distinctive VISA® Business Credit Card that will meet your business needs, whether you're looking for enhanced service or looking to improve cash flow.

  • Low competitive rates for purchases, balance transfers and cash advances
  • $25 annual fee
  • 25-day grace period for repayment of purchases
  • Additional cards available for employees
  • Dedicated, local service

For more information about our business cards, please contact member services, or apply now with by submitting an online application.

VISA has increased their International Service Assessment fee (ISA) from .80% to 1.00% of each single currency transaction in U.S. dollars. These changes will take effect on 4.13.2019. You can avoid the ISA fee by not using your credit card when traveling outside the U.S.