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| Attribute | Capital One Venture XCapital One | First Citizens Low-Interest Business Credit CardFirst Citizens Bank | Hawaii National Bank Visa Business CardsHawaii National Bank | Low Rate VisaBECU | Preferred Cash Back Visa SignatureFAIRWINDS Credit Union |
|---|---|---|---|---|---|
| IdentityAudience | Consumer | Business | Business | Consumer | Consumer |
| Offered by | Capital One | First Citizens Bank | Hawaii National Bank | BECU | FAIRWINDS Credit Union |
| Actual issuer | Capital One | First Citizens Bank | Elan Financial Services | BECU | FAIRWINDS Credit Union |
| Lifecycle | Active | Active | Active | Active | Active |
| PricingIntro balance-transfer APR | Not captured | 0% | Not captured | 0% | 0% |
| Ongoing balance-transfer APR | Not captured | 13.49%–22.49% | Not captured | 12.49%–23.49% | Not captured |
| Regular purchase APR | Not captured | Not captured | Not captured | Not captured | Not captured |
| Annual fee | Not captured | $0 | Not captured | $0 | $0 |
| Balance-transfer fee | Not captured | 3% (minimum $5) | Not captured | $0 | $0 |
| Transfer window | Not captured | Not disclosed | Not captured | Within 90 days of opening | Source uses calendar months |
| OffersPromotions | None published | None published | None published | None published | None published |
| Benefits | None published | None published | None published | None published | None published |
| AccessEligibility records | None published | None published | None published | None published | None published |
| Application routes | None published | None published | None published | None published | None published |
| Prequalification | None published | None published | None published | None published | None published |
| ObservedBureau observations | None published | None published | None published | None published | None published |
| Version history | 1 version | 1 version | 1 version | 1 version | 1 version |
| EvidenceVerification | Verified structured record | Verified structured record | Verified structured record | Verified structured record | Verified structured record |
| Freshness | 1 current field | 1 current field | 1 current field | 1 current field | 1 current field |
| Field evidence | 1 field | 1 field | 1 field | 1 field | 1 field |
| Primary source | Capital One | First Citizens Bank | Hawaii National Bank | BECU | FAIRWINDS Credit Union |
| Last checked | Aug 22, 2026 | Aug 22, 2026 | Aug 22, 2026 | Aug 22, 2026 | Aug 22, 2026 |