Equifax Security Breach: On September 7th, Equifax Inc., one of the three largest U.S. credit reporting agencies, announced a data breach possibly impacting approximately 143 million U.S. consumers. BFSFCU has NOT experienced any security or data breach related to this incident. Learn More

Credit Cards

Request the premier BFSFCU Visa Signature Card today. Earn exceptional rewards plus dozens of Visa Signature perks in addition to the Signature Rewards Points that you earn.

We’re pleased to extend to you a special invitation for our finest and most rewarding credit card—the BFSFCU Visa Signature Card. Every dollar spent in purchases on your card translates into one and a half Signature Rewards points that can be used towards airline tickets and travel and more. Plus get instant access to special experiences, dozens of perks and complimentary 24-hour Visa Signature® Concierge Service.

Earn an Extra 20,000 Points

Get your Visa Signature Card in August to earn an extra 20,000 bonus points when you spend $4,000 in the first 90 days of account opening.

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Chip Technology

BFSFCU is proud to be among the first financial institutions offering chip technology-equipped Visa Credit Cards in the U.S. Our Visa Platinum, Platinum Member Rewards and Visa Platinum Cash Rewards Credit Cards come with embedded microchips that store your card information in an encrypted format, making it difficult for unauthorized users to copy or access the information on your card.

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** Shares on deposit in your designated savings account for the amount of your credit limit (minimum $500) will be pledged as security.

Lost or Stolen Card?

Report Lost/Stolen Card (in the U.S.): (800) 449-7728

Report Lost/Stolen Card (outside the U.S.): View International Toll Free Numbers

VISA® Credit Card Rates

  •  09-20-2017
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES Visa Platinum Visa Platinum Member Rewards Visa Platinum Cash Rewards Visa Signature Alert Me
Introductory APR for a period of six (6) billing cycles. 3.90% 3.90% 5.90% 0.00%
After that, your APR will be: Your APR will vary with the market based on the Prime Rate. 9.90% 10.90% 11.90% 13.90%
APR for Cash Advances Alert Me
Introductory APR 3.90% for six (6) billing cycles 3.90% for six (6) billing cycles 5.90% for six (6) billing cycles 1.90% for twelve (12)
billing cycles
After that, your APR will be: Your APR will vary with the market based on the Prime Rate. 12.90% 13.90% 14.90% 16.90%
APR for Balance Transfers Alert Me
Introductory APR 3.90% for six (6) billing cycles 3.90% for six (6) billing cycles 5.90% for six (6) billing cycles 1.90% for twelve (12)
billing cycles
After that, your APR will be: Your APR will vary with the market based on the Prime Rate. 12.90% 13.90% 14.90% 16.90%
Penalty APR1 Alert Me
This APR may be applied to the entire balance on your account if you are 60 days delinquent in making a payment. 15.90% 16.90% 17.90% 18.00%
Interest Charges Alert Me
Minimum Interest Charge None None None None
Set-up and Maintenance Fees Alert Me
Annual Fee None $19 $39 None
Account Set-up Fee None None None None
Participation Fee None None None None
Account Maintenance Fee on Closed Accounts None None None None
Additional Card Fee None None None None
Transaction Fees Alert Me
Balance Transfer Fee None None None None
Cash Advance Fee None None None None
Foreign Transaction Fee 1.00% of each transaction in U. S. dollars 1.00% of each transaction in U. S. dollars 1.00% of each transaction in U. S. dollars None
Penalty Fees Alert Me
Late Payment Fee Up to $25 Up to $25 Up to $25 Up to $25
Over-the-Credit-Limit Fee None None None None
Returned Payment Fee Up to $25 Up to $25 Up to $25 Up to $25
How We Will Calculate Your Balance: We use a method called ”average daily balance (including new purchases).” Your due date is 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.
  • 1The penalty APR will apply until you make six consecutive minimum payments when due.

Credit Cards