Philadelphia Federal Credit Union Visa® Business Cash Preferred
The Philadelphia Federal Credit Union Visa® Business Cash Preferred from Philadelphia Federal Credit Union earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Philadelphia Federal Credit Union Visa Business Cash Preferred earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 3% back | 3% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Philadelphia Federal Credit Union Visa Business Cash Preferred reward caps and conditions?
The Philadelphia Federal Credit Union Visa Business Cash Preferred has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases
Who should get the Philadelphia Federal Credit Union Visa Business Cash Preferred?
The Philadelphia Federal Credit Union Visa Business Cash Preferred fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Philadelphia Federal Credit Union Visa Business Cash Preferred fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 66% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back.
Foreign transaction fees make it weaker for international spend.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $2 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
Does the Philadelphia Federal Credit Union Visa Business Cash Preferred have an annual fee, and what's the welcome bonus?
The Philadelphia Federal Credit Union Visa Business Cash Preferred has an annual fee of $0 and a foreign transaction fee of $2. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $2
What benefits come with the Philadelphia Federal Credit Union Visa Business Cash Preferred?
The Philadelphia Federal Credit Union Visa Business Cash Preferred includes $100 Annual software credit in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- $100 Annual software credit
Get this bonus reward applied every year to your account after 11 consecutive monthly software transactions
Common questions about the Philadelphia Federal Credit Union Visa Business Cash Preferred
Does the Philadelphia Federal Credit Union Visa Business Cash Preferred have an annual fee?
The Philadelphia Federal Credit Union Visa Business Cash Preferred carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Philadelphia Federal Credit Union Visa Business Cash Preferred?
Dining is the strongest Madeen category for the Philadelphia Federal Credit Union Visa Business Cash Preferred at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Philadelphia Federal Credit Union Visa Business Cash Preferred charge foreign transaction fees?
The Philadelphia Federal Credit Union Visa Business Cash Preferred charges a foreign transaction fee of $2 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Philadelphia Federal Credit Union Visa Business Cash Preferred?
Madeen's catalog lists a typical credit range of Good to Excellent for the Philadelphia Federal Credit Union Visa Business Cash Preferred. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Philadelphia Federal Credit Union Visa Business Cash Preferred?
Rewards on the Philadelphia Federal Credit Union Visa Business Cash Preferred post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Philadelphia Federal Credit Union Visa Business Cash Preferred?
To maximize the Philadelphia Federal Credit Union Visa Business Cash Preferred, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required.
How does the Philadelphia Federal Credit Union Visa Business Cash Preferred compare to similar cards?
Compare the Philadelphia Federal Credit Union Visa Business Cash Preferred against Philadelphia Federal Credit Union Visa Everyday Rewards+ (4% on Dining, $0 fee); Philadelphia Federal Credit Union Visa Reserve Rewards+ Card (2% on Dining, $390 fee); Philadelphia Federal Credit Union Visa Max Cash Preferred (5% on Other, $0 fee). Madeen ranks effective value by category and annual fee using the.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Philadelphia Federal Credit Union Visa Business Cash Preferred This card | Dining | 3% | $0 |
Philadelphia Federal Credit Union | Dining | 4% | $0 |
Philadelphia Federal Credit Union | Dining | 2% | $390 |
Philadelphia Federal Credit Union | Other | 5% | $0 |
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