Business Cash Back VISA®

Business members can experience the freedom provided by the American United Platinum VISA® Business Credit Card. The business card offers generous credit limits, no annual fee to maintain the card, additional insurance features on automobile rentals, travel by common air, sea and ground carriers. Plus, the member can use the card to extend manufacturers’ warranties on a variety of products.

Minimum Requirements

  • Must meet credit union member eligibility requirements.
  • Card offered to eligible business accounts only (consumer accounts are excluded).
  • Eligible upon approved credit.
  • Minimum loan amount $200.

Product Fees

  • Account subject to all General Account Fees (Refer to Services Fee Guide).
  • Late Fee $25.00 or minimum payment, whichever is lower.
  • Replace lost/stolen VISA® – $5.00 (lost – 1st time) $ 10.00 (lost additional times).
  • PIN Reminder Mailer – $5.00.
  • Rush Shipping – $20.00.
  • Receipt Copy – $ 10.00.
  • Research $35.00/hour (minimum 1 hour).
  • False Claim Fee – $35.00/hour (minimum 1 hour).
  • VISA® Rate Change – $25.00 (OAC).
  • Non-Activation Penalty – $25.00 (Card not activated 120 days after issue. Reminder mailers are sent before fee is assessed).

Product Features

  • 1% cash back on all purchase transactions or VISA® Scorecard® Rewards.
    • 1% cash back is on Business VISA® Card BIN #475855 only.
    • All other VISA® Cards BIN #452978 receive VISA® Scorecard® Rewards only.
    • 1% cash back rewards are automatically deposited into members American United primary/regular savings account by end-of-business on the 5th day of each calendar month. Funds are available to the member on the 6th month.
      • Days that the 5th falls on a weekend or holiday rewards will be available on the following regular business day.
  • Competitive rates.
  • No annual fee, Low FIXED rate.
  • No-fee balance transfers.
  • Secure online account review and payment options from www.amucu.org and mobile app.
  • VISA®’s Zero Liability means account holders are protected if the card is lost or stolen.

Product Benefits

  • Report a lost or stolen credit card by calling 801.359.9600 during operating hours and 1.800.682.6075 during after hours.
  • For emergency travel assistance for VISA® Platinum Cardholders, call 1.800.397.9010 inside U.S., or (country code) 801.410.902.8012 if outside U.S.
  • Protect yourself from fraud and identity theft.
  • Secured online purchases with Verified by VISA®.

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© 2019 American United Federal Credit Union. All Rights Reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. ABA Routing Number: 324078640

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