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Business Credit Cards

Our low-interest credit cards are here to help your business grow by making it easy to purchase the equipment you need.
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Lost or Stolen Visa Credit Card?  Visit the lost or stolen card page.

BUSINESS CREDIT CARD INTEREST RATES

[1] APR=Annual Percentage Rate. Actual APR is based on credit worthiness and will vary based on the Prime Lending Rate. APR shown is for purchases and balance transfers. 

Rates as of: December 18, 2024
CARD TYPE
APR1 (as low as)
CASH ADVANCE FEE
CARD TYPE
VISA Clear
APR1 (as low as)
Fixed 9.95%
CASH ADVANCE FEE
None
CARD TYPE
VISA Classic
APR1 (as low as)
Variable 11.15% - 17.90%
CASH ADVANCE FEE
3% of Amount Advanced
CARD TYPE
VISA Signature Rewards
APR1 (as low as)
Variable 12.15% - 15.90%
CASH ADVANCE FEE
3% of Amount Advanced

[1] APR=Annual Percentage Rate. Actual APR is based on credit worthiness and will vary based on the Prime Lending Rate. APR shown is for purchases and balance transfers. 

Start your Business Credit Card application

Business Credit Cards With More

Get more benefits, including rewards! Financing large purchases for your business is easier than ever with a Business Credit Card from PCU. You'll benefit from low-interest rates and fewer fees so you can reach your business goals faster.

Shop owner uses a PCU business Credit Card to help her run her small business.

No Annual Fee

We support local business growth. That's why our Business Credit Cards don't have an annual fee!

Rewards

Get rewarded for your business purchases with the Signature Rewards Visa Credit Card.

Great Low Rates

Choose from a low fixed rate or our best variable rate!

Security Features

Your security is important, so our cards feature EMV chips, contactless tap, and digital wallet capabilities.
Apply Now

Signature Rewards Visa Credit Card

With our Visa Signature Rewards Credit Card, you earn points with every business purchase—from entertainment to travel, and gift cards to cash rewards. And unlike many other rewards programs, it’s easy to redeem your points.

  • Earn 1 point for every $1 you spend
  • Choose from thousands of rewards redemption options
  • Low, variable rate2
  • No annual fee
  • No balance transfer fee3
  • Card Controls - mobile app
  • Digital wallet ready

Already have a Signature Rewards Visa Card? Get your CCCU Credit Card Controls App here:

Apple App Store Logo-1     Google Play Logo-1

Apply Now
Signature rewards Visa Credit Card for daily purchases can be more rewarding!

External Link Disclosure

As a service to our members, the Credit Union will provide links to websites that are not operated by Consolidated Community Credit Union. We are providing these links to give our members access to the information we feel may be of interest to them or to assist them in transacting business with the Credit Union. If you elect to do business at a linked site, please be advised CCCU does not represent you or the linked site if you enter into a transaction unless that site is related directly to products or services offered by the credit union. You understand and agree that the Credit Union is not responsible for and exercises no control over these linked sites, nor have we verified the accuracy, privacy, or security of the information on these linked sites. You further understand and agree that the Credit Union is not liable for any damages, losses, or expenses that you may incur while using these linked sites. CCCU does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site.

CCCU’s privacy policy does not apply to linked websites. Privacy and security policies may differ at this link site from those practiced by the credit union. Consult the privacy disclosures on the linked, third-party site for further information.

Stylish couple celebrates with rewards points from the CCCU signature rewards program.

More About Our Rewards

You earned it, why not reward yourself? With our rewards program, you can earn rewards on the business purchases you already make. With each signature-based transaction with your PCU Signature Rewards Visa, you'll earn points that you can redeem for electronics, jewelry, travel, cash, and even cash back to your PCU account. 

  • Earn: Shop at any in-store or online participating retailer with your PCU Signature Rewards Visa® and watch your points add up.
  • Track: Your gift options and up-to-date point total are included on monthly statements available through PCU’s online banking. 
  • Shop: Earn points at hundreds of participating online, in-store and local retailers. You can also track your mall points earned.
  • Redeem: Combine points to get travel services, merchandise and more.
Visit CURewards.com for a complete listing of benefits and gifts. This is where you'll also log into your rewards account or register for the first time. 

 

Apply Now

External Link Disclosure

As a service to our members, the Credit Union will provide links to websites that are not operated by Consolidated Community Credit Union. We are providing these links to give our members access to the information we feel may be of interest to them or to assist them in transacting business with the Credit Union. If you elect to do business at a linked site, please be advised CCCU does not represent you or the linked site if you enter into a transaction unless that site is related directly to products or services offered by the credit union. You understand and agree that the Credit Union is not responsible for and exercises no control over these linked sites, nor have we verified the accuracy, privacy, or security of the information on these linked sites. You further understand and agree that the Credit Union is not liable for any damages, losses, or expenses that you may incur while using these linked sites. CCCU does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site.

CCCU’s privacy policy does not apply to linked websites. Privacy and security policies may differ at this link site from those practiced by the credit union. Consult the privacy disclosures on the linked, third-party site for further information.

Clear Visa Card

Whether you're paying for everyday expenses, making larger lifestyle investments, or transferring balances to consolidate high-interest debt, you shouldn’t have to fear using your credit card. Our Visa Clear Card keeps you in control of your finances.

  • Low, fixed rate2
  • No annual fee or balance transfer fees3
  • No cash advance fee
  • Generous credit lines
  • Card Controls
  • Digital wallet ready

Already have a Clear Visa Card? Get your CCCU Card Management App here:

Apple App Store Logo-1     Google Play Logo-1

Apply Now
Clear credit card photo at Consolidated Community Credit union with a low fixed rate.

External Link Disclosure

As a service to our members, the Credit Union will provide links to websites that are not operated by Consolidated Community Credit Union. We are providing these links to give our members access to the information we feel may be of interest to them or to assist them in transacting business with the Credit Union. If you elect to do business at a linked site, please be advised CCCU does not represent you or the linked site if you enter into a transaction unless that site is related directly to products or services offered by the credit union. You understand and agree that the Credit Union is not responsible for and exercises no control over these linked sites, nor have we verified the accuracy, privacy, or security of the information on these linked sites. You further understand and agree that the Credit Union is not liable for any damages, losses, or expenses that you may incur while using these linked sites. CCCU does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site.

CCCU’s privacy policy does not apply to linked websites. Privacy and security policies may differ at this link site from those practiced by the credit union. Consult the privacy disclosures on the linked, third-party site for further information.

What our members are saying:

“As a Providence caregiver, I’m so proud to use the PCU services. Clearly the best credit union around – bar none. Well done to you all.”

Brad H. Member Since 2012

“This was my third loan with PCU and each time, it was quick, efficient and all the loan officers were diligent! They worked with me to make my time constraints and are always professional.”

Lotis C. Member Since 2018

“The process to create my account was quick and smooth. The option to receive my direct deposit two days early is amazing! Thank you!”

Armando Z. Member Since 2023

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Frequently Asked Questions About Credit Cards

What info do I need to submit a balance transfer?

You’ll need:

  • a monthly statement that includes the name and address of the other financial institution (PCU accounts are excluded)
  • your full account number at that financial institution
  • the amount you’d like to transfer
How is the variable APR for my credit card determined?

Your Standard variable APR is determined by adding a Margin to the U.S. Prime Rate as published in The Wall Street Journal. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Your cash advance rate is 2% higher than your Standard APR (not applicable on fixed rate, Clear credit cards), not to exceed the amount specified in your Account Agreement. Currently, APRs for federal credit union loans are capped at 18%.

How do I check the status of my credit card application?
What should I do before traveling to safeguard my credit card account?

You can set up travel notifications in our PCU Credit Card Management mobile app, send us a secure message through online banking, or call us all 800.444.8115. Be sure to let us know the dates you’ll be traveling and where you’re going.

How do I add an authorized user to my account?

To add an authorized user, contact us.

How do I redeem my credit card rewards?

To check your balance and redeem your rewards, go to the CURewards website www.curewards.com.

External Link Disclosure

As a service to our members, the Credit Union will provide links to websites that are not operated by Consolidated Community Credit Union. We are providing these links to give our members access to the information we feel may be of interest to them or to assist them in transacting business with the Credit Union. If you elect to do business at a linked site, please be advised CCCU does not represent you or the linked site if you enter into a transaction unless that site is related directly to products or services offered by the credit union. You understand and agree that the Credit Union is not responsible for and exercises no control over these linked sites, nor have we verified the accuracy, privacy, or security of the information on these linked sites. You further understand and agree that the Credit Union is not liable for any damages, losses, or expenses that you may incur while using these linked sites. CCCU does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site.

CCCU’s privacy policy does not apply to linked websites. Privacy and security policies may differ at this link site from those practiced by the credit union. Consult the privacy disclosures on the linked, third-party site for further information.

DISCLOSURES
Membership eligibility required. All loans subject to credit approval. APR=Annual Percentage Rate. [2] Actual APR is based on creditworthiness and will vary based on the Prime Lending Rate. Rates, terms, and conditions are subject to change. See our Visa Disclosures or contact credit union for more information. [3] Balance transfer fee may apply during promotional rate periods.

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© Providence Credit Union 2025 | 9205 SW Barnes Road Portland, OR 97225 | Routing #: 323075136

Privacy Policy | Schedule of Fees & Rates | Disclosures | Luxury Expenditures Policy

PCU is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please contact us so that we may promptly assist you and remedy any accessibility concerns.

Providence Credit Union (PCU), Consolidated Community Credit Union (CCCU) and CCCU Cascade are all trade names or registered service marks of Consolidated Federal Credit Union. Although these branches have different names, they are all part of the same credit union; shares and deposits held at each office are not separately insured.

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