Business Credit Rewards MasterCardGenisys Credit Union · state credit union, MI · NCUA 68536

CurrentLast observed Oct 14, 2026Official issuerCredit card · BusinessFiled as “Genisys Business Credit Rewards MasterCard”

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Purchase APR

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Balance transfer

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Cash advance APR

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Annual fee

p.1none

Foreign fee

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Grace period

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Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	up to $25GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $25.00”GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Returned payment	up to $26GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $26.00”GENISYS · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
PurchasesNot disclosed	1 point per $1. See source conditions for eligible purchases.GENISYS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Every time you sign for transactions you earn 1 point for every $1 you spend, redeemable for travel, merchandise, gift cards, and much more”GENISYS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards conditionsPurchases	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Every time you sign for transactions you earn 1 point for every $1 you spend, redeemable for travel, merchandise, gift cards, and much moreGENISYS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Every time you sign for transactions you earn 1 point for every $1 you spend, redeemable for travel, merchandise, gift cards, and much more”GENISYS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Genisys Business Rewards MasterCard Account Opening Disclosurepage 1 of 6

GENISYS CREDIT UNION

Genisys Business Credit Rewards MasterCard Cardholder Agreement and Disclosure

THIS INFORMATION IS ACCURATE AS OF 7/1/2023 AND MAY CHANGE. To find out what may have changed call us at 248-322-9800 x5, 800-521-8440 x5, or write to us at P.O. Box 436034, Pontiac, MI 48343-6034.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 14.25% - 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime rate. APR for Balance Transfers · 14.25% - 18.00% This APR will vary with the market based on the Prime rate. APR for Cash Advances · 14.25% - 18.00% This APR will vary with the market based on the Prime rate. Penalty APR and When It Applies · None Paying Interest · Your due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge · None

Fees Annual Fee · None Transaction Fees • Balance Transfer • Cash Advance • Foreign Transactions · None None Up to 1.1% of each transaction in U.S. dollars Penalty Fees • Late Payment • Returned Payment · Up to $25.00 Up to $26.00

How We Will Calculate Your Balance : We use a method called 'average daily balance (including new transactions)'. See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the attached account agreement.

Rate Information, including periodic rates, corresponding APRs and margins

Purchases

The following periodic rate and corresponding APR applies to all purchases made under this account .

Periodic Rate: 1.19%-1.50%

Corresponding APR: 14.25%-18.00%

Your purchase APR is equal to the Prime rate plus a margin of 6.00% - 10.76%.

Cash advances

The following periodic rate and corresponding APR applies to all cash advances made under this account .

Periodic Rate: 1.19%-1.50%

Corresponding APR: 14.25%-18.00%

Your cash advance APR is equal to the Prime rate plus a margin of 6.00% - 10.76%.

Balance transfers

The following periodic rate and corresponding APR applies to all balance transfers made under this account .

Periodic Rate: 1.19%-1.50%

Corresponding APR: 14.25%-18.00%

Your balance transfer APR is equal to the Prime rate plus a margin of 6.00% - 10.76%.

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Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $25.00”
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GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $25.00”
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GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $26.00”
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GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $26.00”
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GENISYS
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:63097b254df4be14bfe2be214c9fc1deab917cd11e7436b719a0681c192ea9c3
“Every time you sign for transactions you earn 1 point for every $1 you spend, redeemable for travel, merchandise, gift cards, and much more”
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GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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GENISYS
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Oct 14, 2026: Rewards
Aug 23, 2026: Annual fee, Late payment fee, Returned payment fee

Offered through: Genisys Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68536
Branches: 33 in MI, MN
Sources: Official issuer · 2 documents · 1 page cited

Documents

Genisys Business Rewards MasterCard Account Opening Disclosureeffective date not parsed
Genisys Rewards Mastercard Account Opening Disclosureeffective date not parsed

Business Credit Rewards MasterCardGenisys Credit Union · state credit union, MI · NCUA 68536

Rates and fees