Business Credit Cards

Running a business means making countless purchases and payments. An Everwise Business or Commercial Visa^® makes the process fast and easy. Plus, you can recoup some of those expenditures with a rewards system that pays 1.5 points for each dollar spent.

Everything you need to make your business run better

Redeem rewards points for cash and deposit it directly into your business account
No annual fee
Online payment options/automatic payments available
No fee for additional employee cards
Automated card alerts
Contactless cards

Online Card Management

Control company cards in real-time with our online management program.

Adjust credit limits
Review cardholder transactions
Order additional cards
Block card use
Upload receipts
Make payments
Free online reporting tools

Everwise Business and Commercial Rewards Visa^® Cards

Interest Rate and Interest Charges	Everwise* Visa^® Commercial Rewards Credit Card Account
Annual Percentage Rate (APR) for Purchases	18.99% based on your creditworthiness. This APR will vary with the market based on a Prime Rate.^a
APR for Balance Transfers from another financial institution^d	18.99% based on your creditworthiness. This APR will vary with the market based on a Prime Rate.^a
APR for Cash Advances	29.49% based on your creditworthiness. This APR will vary with the market based on a Prime Rate.^a
Penalty APR and When It Applies	If you haven’t made a payment sixty-five (65) days or more after the due date, we may apply a penalty rate of 29.49% APR. This penalty rate will apply to both existing and new transactions and will continue indefinitely until you make six (6) consecutive minimum payments by the due date. Once you make six (6) consecutive minimum payments by the due date, we will discontinue the penalty rate and return your rate to the current calculated rate. This current rate will apply to all existing and new transactions. How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will begin charging interest on Purchases, Balance Transfers and Cash Advances on the transaction date. To avoid incurring interest charges, for new purchase transactions, you must pay the new balance which includes purchases, balance transfers and cash advances, as shown on the Account Statement, on or before the payment due date.
Minimum Interest Charge	If you are charged interest, the charge will be no less than 2.00%.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: Consumerfinance.gov/learnmore.
Fees
Annual Fee	None
Balance Transfer Fee	$5 or 5% per transaction, whichever is greater
Other Fees
Late Fees	IN - $25.00^d, MI - greater of $15.00 or 5% of the minimum payment
Return Payment Fee	$25.00
Expedited Delivery Fee	Up to $26.00
Stop Payment Fee (for balance transfer checks and convenience checks)	$18.00
Cash Advance Fee	4%
Overlimit Fee	$25 at 101%
Foreign Transaction Fee	2% each transaction

How We Calculate Your Balance. We use a method called “average daily balance (including new purchases).".
Prime Rate. Variable APRs are based on the 8.50% Prime Rate as of 8/1/2023.

*Must be a member of Everwise Credit Union to be eligible to apply for the Credit Card. Membership fee, to open a Member Share (savings) account is $7.00 membership fee and $5.00 minimum Share deposit is required.

a. Variable Rate Index. The APR may change and will be based on the value of an index plus a margin. The index is the Prime Rate published in the Wall Street Journal, on the first day of the month prior to the change dates. The change dates will occur monthly on the1st day of the new cycle following a prime rate change.
b. We add 10.99% based on your creditworthiness to the current Prime Rate to determine the Purchase APR or Balance Transfer APR.
c. We add 20.99% based on your creditworthiness to the current Prime Rate to determine the Cash Advance APR.
d. You will pay a $25.00 late fee, or the maximum allowed by law pursuant to Indiana Code §§ 24-4.5-3-203.5 at the time we exercise our remedies under this contract if a payment is received more than 10 days after it is due. MI-greater of $15.00 or 5% of the minimum payment.

Balance Transfers from another Everwise Credit Union loan account, including an Everwise Credit Union Home Equity Loan, are not permitted on the Visa^® Business Rewards Credit Card.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.

Important Information for Rewards Cardholders. You may earn 1.5 Reward points on your Net Purchase Transactions, which is the amount of your Purchase transactions, less any purchase refunds. Reward points are not earned on Cash Advance or Balance Transfer transactions. The accrued Reward points will be shown on your monthly billing statement. The Reward points will be available to redeem via online banking at everwisecu.com or at curewards.com. All Rewards will expire four (4) years from the end of the calendar year, in which they are earned on a first-in, first-out basis. Reward points may not be available to all cardholders. We may revoke your Reward points, at any time, if you exceed your credit limit, become delinquent, are in default of your Agreement, or close your Account. Everwise Credit Union reserves the right to change the Reward points program at any time. See Rewards disclosure included in this Welcome Packet.

Account Agreement: See your VISA® Account Agreement for more details.

Interest Rate and Interest Charges	Everwise* Visa® Business Rewards Credit Card Account
Annual Percentage Rate (APR) for Purchases	18.99% based on your creditworthiness. This APR will vary with the market based on a Prime Rate.^a
APR for Balance Transfers from another financial institution^d	18.99% based on your creditworthiness. This APR will vary with the market based on a Prime Rate.^a
APR for Cash Advances	29.49% based on your creditworthiness. This APR will vary with the market based on a Prime Rate.^a
Penalty APR and When It Applies	If you haven’t made a payment sixty-five (65) days or more after the due date, we may apply a penalty rate of 29.49% APR. This penalty rate will apply to both existing and new transactions and will continue indefinitely until you make six (6) consecutive minimum payments by the due date. Once you make six (6) consecutive minimum payments by the due date, we will discontinue the penalty rate and return your rate to the current calculated rate. This current rate will apply to all existing and new transactions. How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will begin charging interest on Purchases, Balance Transfers and Cash Advances on the transaction date. To avoid incurring interest charges, for new purchase transactions, you must pay the new balance which includes purchases, balance transfers and cash advances, as shown on the Account Statement, on or before the payment due date.
Minimum Interest Charge	If you are charged interest, the charge will be no less than 2.00%.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: Consumerfinance.gov/learnmore.
Fees
Annual Fee	None
Balance Transfer Fee	$5 or 5% per transaction, whichever is greater
Other Fees
Late Fees	IN - $25.00^d, MI - greater of $15.00 or 5% of the minimum payment
Return Payment Fee	$25.00
Expedited Delivery Fee	Up to $26.00
Stop Payment Fee (for balance transfer checks and convenience checks)	$18.00
Cash Advance Fee	4%
Overlimit Fee	$25 at 101%
Foreign Transaction Fee	2% each transaction

How We Calculate Your Balance. We use a method called “average daily balance (including new purchases)."
Prime Rate. Variable APRs are based on the 8.50% Prime Rate as of 8/1/2023.

*Must be a member of Everwise Credit Union to be eligible to apply for the Credit Card. Membership fee, to open a Member Share (savings) account is $7.00 membership fee and $5.00 minimum Share deposit is required.

a. Variable Rate Index. The APR may change and will be based on the value of an index plus a margin. The index is the Prime Rate published in the Wall Street Journal, on the first day of the month prior to the change dates. The change dates will occur monthly on the 1st day of the new cycle following a prime rate change.
b. We add 10.99% based on your creditworthiness to the current Prime Rate to determine the Purchase APR or Balance Transfer APR.
c. We add 20.99% based on your creditworthiness to the current Prime Rate to determine the Cash Advance APR.
d. You will pay a $25.00 late fee or the maximum allowed by law pursuant to Indiana Code §§ 24-4.5-3-203.5 at the time we exercise our remedies under this contract if a payment is received more than 10 days after it is due. MI-greater of $15.00 or 5% of the minimum payment.

Balance Transfers from another Everwise Credit Union loan account, including Everwise Home Equity Loan, are not permitted on the Everwise Visa^® Business Rewards Credit Card.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.

Important Information for Rewards Cardholders. You may earn 1.5 Reward points on your Net Purchase Transactions, which is the amount of your Purchase transactions, less any purchase refunds. Reward points are not earned on Cash Advance or Balance Transfer transactions. The accrued Reward points will be shown on your monthly billing statement. The Reward points will be available to redeem via online banking at everwisecu.com or at curewards.com. All Rewards will expire four (4) years from the end of the calendar year, in which they are earned on a first-in, first-out basis. Reward points may not be available to all cardholders. We may revoke your Reward points, at any time, if you exceed your credit limit, become delinquent, are in default of your Agreement, or close your Account. Everwise Credit Union reserves the right to change the Reward points program at any time. See Rewards disclosure included in this Welcome Packet.

See your VISA^® Account Agreement for more details.

A card with low fees? Or one with nice rewards? No compromise is necessary.

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Everwise Business and Commercial Rewards Visa^® Cards