Visa Credit Cards

Visa Credit Cards

ENJOY 0% APR* ON BALANCE TRANSFERS FOR 15 MONTHS WITH OUR VISA!!!

PERFECT TIME TO MAKE THE SWITCH TO A SMARTER CREDIT CARD

  • NO over limit fee
  • NO inactivity fee
  • NO annual fee



Summary

FAQ on Chip Cards





*Annual percentage rate. A fee of 3% applies for each balance transferred. Rates and offers

are current as of Oct. 1, 2018 and are subject to change. Subject to credit approval. Offer expires Feb. 28, 2019.





Bay Area VISA Classic

Annual percentage rate (APR) for purchases and cash advances
• APR for Balance Transfers:
12.95%
Other APRs: 60 Days Late:18.95%
Grace period for repayment of balances for purchase25 Days
Annual FeeNone
Minimum finance chargeNone
Transaction fees
• Foreign Transaction Fee
• Balance Transfer Fee
1.00% of each multiple currency transaction in U.S. dollars 0.08% of each single currency transaction in U.S. dollars Either $5 or 3% of the amount of each transfer, whichever is greater
Penalty Fees
• Late payment fee** (5 or more days)
• Returned Payment Fee
$25.00
$25.00
Over-the-limit feeNone

*Annual Percentage Rate is 12.95% APR unless payment is 60 days late - default rate is 18.95%APR. **Late pay is considered 5 or more days late. After 6 months of consecutive on-time payments we will initiate an account review.