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Connexus Credit Union Visa® Business Real Rewards Card is ideal for businesses planning larger expenses or consolidating debt. It features a 0% introductory Annual Percentage Rate (APR) for purchases and balance transfers for the first six billing cycles. It also includes ExtendPay plans, allowing you to split purchases into manageable monthly payments for a low, fixed fee—without accruing interest.
Issued by Elan Financial Services and offered through Connexus Credit Union, the card has a $0 annual fee and earns 1.5x points (equivalent to 1.5% cash back) on all purchases. While there’s no cap on rewards, keep in mind that points must be redeemed within five years.
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| Intro APR | 0% introductory APR on purchases and balance transfers for the first 6 billing cycles |
|---|---|
| Regular APR | 18.49% to 27.49%, variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
When grading points rewards business credit cards like the Connexus Credit Union Visa® Business Real Rewards Card, we first consider the ongoing rewards and rate the introductory rewards as the second-biggest factor. We also take into account the annual fees, introductory and ongoing APRs, and additional features.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 20 | 30 |
| Introductory Rewards | 10 | 20 |
| Annual Fee | 15 | 15 |
| Features | 8 | 15 |
| Introductory APR | 7 | 10 |
| Ongoing APR | 10 | 10 |
| Total Score | 70 | 100 |
- Who the Connexus Credit Union Visa® Business Real Rewards Card Is Best For
- Connexus Credit Union Visa® Business Real Rewards Card Rewards
- Connexus Credit Union Visa® Business Real Rewards Card Calculator
- Connexus Credit Union Visa® Business Real Rewards Card Features
- Connexus Credit Union Visa® Business Real Rewards Card Fees
- Connexus Credit Union Visa® Business Real Rewards Card Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
Who the Connexus Credit Union Visa® Business Real Rewards Card Is Best For
- Those who value fixed-rate rewards: This card offers 1.5x points (equivalent to 1.5% cash back) for every dollar spent on eligible purchases, with no cap on the rewards you can earn.
- Those looking to finance a large purchase or transfer a balance: With a 0% introductory APR for the first 6 billing cycles on both purchases and balance transfersFor balances transferred within 186 days from account opening. providing flexibility for significant expenses.
- Those who are Connexus Credit Union members: Current members can benefit from managing all their financial transactions within one institution, making it convenient to integrate this card into their existing accounts.
See our
below if this card isn’t the best fit for your business.
Connexus Credit Union Visa® Business Real Rewards Card Rewards
- Welcome offer: Earn 2,500 bonus rewards points after making your first purchase. Bonus points are credited within six to eight weeks and do not apply to balance transfers or cash advances.
- Ongoing rewards: Get 1.5 points per dollar spent on all eligible net purchases (equivalent to 1.5% cash back), with no cap on the rewards you can earn.
Here’s an example of the potential rewards value based on a 1.5% cash back rate and an estimated annual spend of $25,000 plus the welcome bonus.
| Category | Reward Rate/Points | Estimated Annual Spend | Reward Annual Value |
|---|---|---|---|
| All Spending | 1.5% | $25,000 | $375 |
| Welcome Bonus | 2500 points | - | $25 |
| Total Reward Value | $400 | ||
Connexus Credit Union Visa® Business Real Rewards Card Calculator
Determine the value of your rewards by using our Connexus Credit Union Visa® Business Real Rewards Card Calculator. Include your estimated monthly spend, and let our calculator do the rest.
Note that 1.5x points are equivalent to 1.5% cash back.
Connexus Credit Union Visa® Business Real Rewards Card Rewards Calculator
Your potential annual reward earnings are:
How to Redeem Connexus Credit Union Visa® Business Real Rewards Card Rewards
Redeeming rewards from your Connexus Credit Union Visa® Business Real Rewards Card is simple and can be done online. Follow these steps:
- Log in to your Elan Financial Services credit card account portal.
- Once logged in, select your credit card account.
- Navigate to the top menu and click on “Rewards & Benefits.“
- Click on “Redeem rewards at Rewards Center” to enter the rewards portal.
- Browse and select how you’d like to redeem your points—options include travel, cash back (as a deposit to a Connexus account or a statement credit), gift cards, or merchandise.
- Follow the on-screen instructions to complete your redemption.
Important Notes:
- Bonus points: First-purchase bonus points are credited within six to eight weeks of your qualifying purchase.
- Eligibility: Rewards are earned on eligible net purchases (purchases minus returns and credits). Transactions like advances, balance transfers, and convenience checks do not earn rewards.
- Processing time: Cash back as a deposit or statement credit typically appears within one to two billing cycles.
- Program changes: The rewards program is subject to updates, so check for any changes regularly.
For further help, contact Cardmember Service using the phone number on the back of your card.
Connexus Credit Union Visa® Business Real Rewards Card Features
- Zero fraud liability: Enjoy peace of mind knowing that Elan Financial Services protects you from unauthorized transactions, ensuring your business finances remain secure.
- Security and convenience: Access travel and emergency assistance and take advantage of extended purchase warranties, providing additional protection for your business expenses.
- Free employee cards: Add employee cards at no extra cost to efficiently monitor and manage your team’s business spending.
- Online reporting tools: Track your credit card spending with detailed online reporting tools that categorize transactions by type and period (monthly, quarterly, or yearly).
- ExtendPay plan: Split purchases into manageable payments with 0% interest, just a low, fixed monthly fee. New cardholders get a $0 fee offer on ExtendPay plans initiated within the first 60 days of account opening.
Connexus Credit Union Visa® Business Real Rewards Card Fees
APR
- Introductory: 0% introductory APR on purchases and balance transfersFor balances transferred within 186 days from account opening. for the first 6 billing cycles
- Purchase: 18.49% to 27.49%, variable
- Balance transfer: 18.49% to 27.49%, variable
- Cash advance: 31.49, variable
- Penalty: 31.74%, variable
Fees
- Annual: $0
- Balance transfer: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
- Cash advance: Either 4% of the amount of each advance or $10 minimum, whichever is greater.
- Cash advance ATM: Either 4% of the amount of each advance or $10 minimum, whichever is greater.
- Cash equivalent advance: Either 4% of the amount of each advance or $10 minimum, whichever is greater.
- Convenience check cash advance: Either 3% of the amount of each advance or $5 minimum, whichever is greater.
- Foreign transaction: 3% of each foreign transaction
- Late payment: $41
- Overlimit: $39
- Overdraft protection: $10
- Returned payment: $35
- Card ExtedPay: A monthly fee not to exceed 1.6% of the original principal amount in a Card ExtendPay Plan or Card ExtendPay Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance.
Your due date is at least 24 to 30 days after the close of each billing period, with no interest on purchases if paid in full.
- Online: Visit Elan Financial Services’ credit card account portal to manage your card and make payments.
- In person: Visit either the nearest Connexus Credit Union or a shared co-op branch near you.
- Phone: Call 800-845-5025 and follow the prompts. Note that a $9 convenience fee shall be charged if you pay your card using this option.
- Mail: Mail a check along with your member number, loan number, and payoff statement to:
Cardmember Service
PO Box 790408
St. Louis, MO 63179-0408
Note that the cost will vary based on either the cost of the stamp or the carrier chosen (either UPS or FedEx). Payments sent via mail will be processed within seven to 10 business days upon receipt.
Connexus Credit Union Visa® Business Real Rewards Card Alternatives
American Express Blue Business Cash™
This card is designed for business owners who may need to spend beyond their credit limit and want to earn cash back without keeping track of spending categories. It features Expanded Buying Power, which is an adjustable credit limit based on your usage, payment history, credit record, and financial resources.
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
U.S. Bank Business Platinum Card
This card is designed for businesses that need a long interest-free financing option and an option with a $0 annual fee. It offers a 0% introductory APR on purchases for the first 12 billing cycles.
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 16.24% - 25.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
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For a straightforward rewards option with a lower annual fee, consider this card. It offers unlimited 2X miles on every purchase and 5X miles on hotels and rental cars booked through Capital One Travel. Miles are transferable to more than 15 airline and hotel partners, and you’ll pay just $95 annually, with a $0 intro annual fee for the first year. New cardholders can also earn a bonus after meeting the spending requirements.
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
Frequently Asked Questions (FAQs)
Yes, you must be a Connexus Credit Union member to qualify for the card. Membership is open to those meeting specific criteria or by making a one-time $5 donation to the Connexus Association.
To be a member of the Connexus Credit Union, you must be at least one of the following:
1. Employees, retirees, family members, members, students, or student alumni of the following groups:
- ALPA FCU
- ALPA Union
- Aqua Finance
- Aspirus Inc.
- BMW Motorcycle Owners of America Group or its successor
- Buell Riders Adventure Group
- Cincinnati Bell
- Cintel
- Convergys
- Endura
- Harley Owners Group
- Honeywell
- Kraft or Bombardier and its majority-owned subsidies in the US
- Liberty Mutual Insurance
- Marketplace Home Mortgage
- Marshfield Clinic
- Minnesota Consumer Council
- Northcentral Technical College
- Orbital ATK
- Organizations of any motorcycle dealer located in the Illinois or Wisconsin counties of Winnebago, Boone, Jo Daviess, Knox, Lake, Warren, McHenry, or Stephenson
- Successors Rockwell Automation and its subsidiaries and affiliates
- TSI Incorporated
2. A resident of one of the following communities or counties:
- Boone, Illinois
- Jo Daviess, Illinois
- Knox, Illinois
- Lake, Illinois
- McHenry, Illinois
- Stephenson, Illinois
- Warren, Illinois
- Winnebago, Illinois
- Brooklyn Center, Minnesota
- Crystal, Minnesota
- Golden Valley, Minnesota
- Hopkins, Minnesota
- Minneapolis, Minnesota
- New Hope, Minnesota
- Robbinsdale, Minnesota
- St. Louis Park, Minnesota
- Cincinnati, Ohio
- Norwood, Ohio
- Adams County, Wisconsin
- Barron, Wisconsin
- Chippewa, Wisconsin
- Clark County, Wisconsin
- Columbia, Wisconsin
- Dane, Wisconsin
- Dodge, Wisconsin
- Iowa, Wisconsin
- Juneau County, Wisconsin
- Langlade County, Wisconsin
- Lincoln County, Wisconsin
- Marathon County, Wisconsin
- Milwaukee, Wisconsin
- Oneida, Wisconsin
- Ozaukee, Wisconsin
- Portage County, Wisconsin
- Price, Wisconsin
- Racine, Wisconsin
- Rusk, Wisconsin
- Sauk, Wisconsin
- Shawano County, Wisconsin
- Taylor County, Wisconsin
- Washington, Wisconsin
- Waukesha, Wisconsin
- Waushara County, Wisconsin
- Wood County, Wisconsin
- Within 25 miles of Sheldon, Wisconsin, or 15 miles of Chetek, Wisconsin
3. Spouses, family members, and those living in the same household of an existing member
You can also opt to be a member of the Connexus Association, which requires a one-time $5 donation.
To enroll your card in online banking, go to Elan Financial Services’ credit card account portal. Follow the step-by-step prompts to complete your enrollment and gain access to manage your account online.
Bottom Line
Connexus Credit Union Visa® Business Real Rewards Card is an excellent option for businesses seeking a fixed cash back rate and a 0% introductory APR on purchases and balance transfers. With unlimited rewards points (equivalent to cash back) on all eligible purchases, it’s a straightforward and flexible choice for managing business expenses. However, keep in mind that Connexus Credit Union membership is required to apply.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business® Cash™
