| ADVANTAGES OF THE CREDIT CARD | VISA BUSINESS CREDIT | VISA BUSINESS CREDIT GOLD |
| free credit | up to 51 days | up to 56 days |
| credit limit | up to 50,000 PLN | up to 100,000 PLN |
| transaction without PIN | up to 100 PLN | up to 100 PLN |
| card transfers | yes | yes |
| card payments in the country and abroad without fees | yes | yes |
| online transactions | yes | yes |
| no need to repay the entire debt - the minimum payment is only 5% of the used card limit per month, not less than 100 PLN | yes | yes |
Contactless transaction - a cashless transaction made using a card with a contactless antenna at a service point equipped with a POS terminal with a contactless reader. It involves making a payment by bringing the card close to the contactless reader without the cardholder having to confirm the transaction with a PIN code or by signing the printout from the terminal. It works only for low-value transactions (up to 100 PLN at the Cooperative Bank in Szczytno), completing a transaction of a higher amount requires authorization with a PIN.
The possibility of not using strong authentication 3D Secure is in accordance with the Payment Services Act for online transactions
The limits above which 3D-Secure authentication will not be applied
| Single online transaction | 100 PLN |
| Total of online transactions | 400 PLN |
| Number of consecutive online transactions | 5 PCS |