Credit Cards

Choose the right Credit Card to carry no matter where you go.

All of our Visa® Credit Cards come standard with:

  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Travel and Emergency Assistance Services1
  • No-fee cash advances and balance transfers
  • Auto Rental Collision Damage Waiver Program1

 

Earn 20,000 Bonus Points when you spend $4,000 in the first 90 days of account opening. BFSFCU’s Visa® Signature credit card comes with excellent terms, and now, when you open your Signature card account in June, you’ll earn 20,000 bonus points when you spend $4,000 in the first 90 days of account opening2.

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How to Choose Your Credit Card

Learn the basics about credit cards and how you can pick the best card for your needs. Check our Financial Education Center to learn more.

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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

Table data for VISA® Credit Card Rates
 06-23-2018
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. 10.40% 11.40% 12.40% 14.40%
APR for Cash Advances Visa Platinum Visa Platinum Member Rewards Visa Platinum Cash Rewards Visa Signature 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. 13.40% 14.40% 15.40% 17.40%
APR for Balance Transfers Visa Platinum Visa Platinum Member Rewards Visa Platinum Cash Rewards Visa Signature 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. 13.40% 14.40% 15.40% 17.40%
Penalty APR1 Visa Platinum Visa Platinum Member Rewards Visa Platinum Cash Rewards Visa Signature Alert Me
This APR may be applied to the entire balance on your account if you are 60 days delinquent in making a payment. 16.40% 17.40% 18.00% 18.00%
Interest Charges Visa Platinum Visa Platinum Member Rewards Visa Platinum Cash Rewards Visa Signature Alert Me
Minimum Interest Charge None None None None
Set-up and Maintenance Fees Visa Platinum Visa Platinum Member Rewards Visa Platinum Cash Rewards Visa Signature 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 Visa Platinum Visa Platinum Member Rewards Visa Platinum Cash Rewards Visa Signature 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 Visa Platinum Visa Platinum Member Rewards Visa Platinum Cash Rewards Visa Signature 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.↵

1 Details of insurance benefits, including terms, conditions, limitations, and exclusions are outlined in the Visa Credit Card Guide of Benefits.

2 Offer valid for cardholders issued new Visa Signature credit card accounts. To be eligible for the 20,000 points offer, you must make $4,000 or more in net purchases within 90 days of account opening. Rewards are awarded based on net purchases. Net purchases are eligible purchases charged to your BFSFCU Visa Signature card less rebates and other similar credits. Cash advances, traveler’s check purchases, balance transfers, fees, and interest charges are not eligible purchases. Please allow up to eight weeks after the 90-day period for the 20,000 points to post to your rewards balance. Account must be open and not in default at the time the 20,000 points are posted to your rewards balance. Limit of one promotional offer at account opening. Offer expires 6/30/18.

Credit Cards