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Home Credit & Debit Cards Business Visa Platinum Card

Business Visa Platinum Card

  • Overview

    Business Visa Platinum Card

    While there are many credit card options out there, you can count on convenience and reliability with a Spirit of Alaska Federal Credit Union Business Visa Platinum Card.

    Need a cash advance? No problem! With no fees on your advance, we offer this benefit at the same interest rate as purchases. Our Visa cards are easy to access and manage 24/7 through our online banking systems.

    Don’t let your business get caught without easy access to funds when you need them. Use our low- interest rate business VISA to carry a balance, without the high interest fees.

    A low fee, fixed interest rate credit card for a business

    • Our competitive, fixed interest rates start out at just 9.99% APR*
    • You’ll enjoy minimal annual fees, or no fee if you maintain a Spirit of Alaska checking account
    • Our Visa cards make automatic payments simple
    • Choose your own PIN
    • Instant issued card the day you open your account, and even customize your card

    Earn Rewards with your Credit Card!

    Spirit of Alaska and uChoose Rewards® give you more flexibility and choice than ever when it comes to redeeming reward points for stuff, including cash back!

    You can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, cash and more, just by using your Spirit of Alaska debit card every day.

    Read More

    uChoose Rewards

    "There was a problem with my credit card this AM. I spoke with Teri, who solved the problem very efficiently and with a very friendly manner. In a world where customers usually talk only to computers, I sure did appreciate the personal service!"

    - S.A.

    VISA Card Benefits

    Count on emergency care while traveling

    When you use your covered Spirit of Alaska Visa Platinum or Classic card to purchase travel tickets, you can be reimbursed for emergency medical or dental expenses you incur when traveling ($2,500 maximum).
    Please Note: This benefit is supplemental to and in excess of any valid and collectible insurance or other reimbursements. To learn more about this benefit or to file a claim, call 1-800-434-1280. If you are outside the U.S., you can call collect: 1-804-673-6499. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Spirit of Alaska FCU card to secure transactions. Please refer to your Guide to Benefits for further details.

    Reduce damages if you experience identity theft

    Personal Identity Theft provides reimbursement for covered expenses you incur to restore your identity, up to a maximum of $1000, as a result of a Covered Stolen Identity Event.
    To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call 1-866-679-5660. If you are outside the U.S., you can call collect: 1-303-967-1096. Certain terms, conditions, and exclusions apply. Please refer to your Guide to Benefits for further details.

    Enjoy a more flexible return policy

    Use your covered card and get extra return protection any time you make an eligible purchase of an item up to $250.00.
    To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call 1-888-565-8472. If you are outside the U.S., you can call collect at 1-303-967-1096. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Spirit of Alaska FCU card to secure transactions. Please refer to your Guide to Benefits for further details.

    Count on emergency assistance while traveling

    Call anytime for Travel or Emergency Assistance, available for covered Spirit of Alaska FCU cardholders from anywhere in the world.
    To learn more about this benefit, call 1-800-992-6029. If you are outside the U.S., you can call collect at 1-804-673-1675. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Spirit of Alaska FCU card to secure transactions. Please refer to your Guide to Benefits for further details.

    Refer to our Pricing Guide (PDF) for transaction and activity fees, including foreign currency exchange fees, as well as credit union membership fees. See our Credit Card fees and terms. Terms will also be disclosed verbally and in the contract when we issue you the card. See the Rates tab on this page for complete rate and fee details.

    *Annual Percentage Rate is on approved credit.

    Related Products & Services

    • Business Loans
    • Business Checking
    • Overdraft Line of Credit
    • Online & Mobile Banking Services

    Resources

    • VISA Card Benefits
    • Customize Your Card
    • Notify us of Travel
    • Pricing Guide
    • Disclosures & Rates

    Learn with Banzai

    • Coach: Basic Bookkeeping
    • Article: Funds to Build Your Business
    • Article: Credit Cards
    • Article: Best Practices for Using A Credit Card
  • Rates
    Type of Loan Term APR*

    Visa Business Platinum

    Revolving 9.99% Fixed

    Refer to our Pricing Guide (PDF) for transaction and activity fees, including foreign currency exchange fees, as well as credit union membership fees. See our Credit Card fees and terms. Terms will also be disclosed verbally and in the contract when we issue you the card.

    *Annual Percentage Rate is on approved credit.

    Contact the Loan Department at (907) 459-5970 for more detail.

    **Federal law requires us to verify all identities when opening new accounts. If you are applying with a joint applicant, their consent is implied when the application is submitted with the on-line loan application.

  • Calculator

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  • FAQ

    Frequently Asked Questions

    • What documents should I provide with my application?

      Typically, we will need the following:

      • Personal Financial Statement
      • Business and Personal Debt Schedules
      • Business entity documents: Business license, proof of EIN, Corporation documents and resolution
      • Most recent three years of tax returns with W-2s (personal and business)
      • Three years of year-end plus year-to-date financial statements, including Profit & Loss and Balance sheet.
      • Year-to-date pay stubs (if applicable)
      • Two-months bank statements
      • Other items may be requested
    • How do I activate my card?

      Prior to using your card, you must call 1-800-992-3808 to activate it. The call must come from within the U.S. If you have questions, please contact member services at 907-459-5900 during Spirit of Alaska business hours.

    • Can I skip a payment on a business credit card?

      No, Skip-a-Pay is not available for this card.

    • What do I do if I lose a card?

      Contact our call center during business hours at 907-459-5900. Our business hours are 10-6 M-F; 10-4 Sat. After hours, call 1-800-472-3272.

    • Does your business credit card earn rewards?

      Yes! Spirit of Alaska and uChoose Rewards give you more flexibility and choice than ever when it comes to redeeming reward points for stuff, including cash back! After accumulating 2,000 points, you can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, cash and more.

      To get started, visit uChooseRewards.com. Click the Register link (under New to uChoose Rewards) and follow the prompts to create your User ID and password.

      Spirit of Alaska credit cards earn 1 point per $1 spent on signature purchases.

  • Apply Now
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Letter from our Business Lending Department

A Message from the Spirit of Alaska Federal Credit Union Business Lending Department about the COVID-19 Outbreak

The spread of COVID-19 has touched just about every aspect of our daily lives – from our families and schools to our places of work and our businesses.

We understand the uncertainty during this unprecedented time. As the impact of this situation continues to evolve, we are committed to remain responsive to your financial needs. We have proactive measures in place for our business lending department to continue to support and serve our members.

Payment Concerns:

All payments are due as scheduled. If you anticipate that it will be difficult or impossible for you to make the payment as scheduled, there are options available.

Businesses are facing unique challenges during this time. Please email or call 1-907-459-5965. We will work with our borrowers on a case-by-case basis to assist in any way possible.

If you have questions:

If you have any questions, please don’t hesitate to reach out to our team. Please stay safe and healthy during this unprecedented time. Thank you for being a member of Spirit of Alaska FCU.

Email: businessloans@spiritofak.com

Phone: (907) 459-5965
Call Center: (907) 459-5900