ENJOY 0% APR* FOR 15 MONTHS ON BALANCE TRANSFER TO OUR VISA!

Now is the time to switch to a SMARTER CARD!
Free up money for the Holidays with our VISA.
You have world wide purchase power with a Bay Area Credit Union VISA.
- NO over limit fee
- NO inactivity fee
- NO annual fee
Summary
- Pay for purchases and services worldwide
- Access cash via ATM
- Easily manage your account through It’sMe247 banking
- Protect online purchases with FREE Verified by Visa service
Complete Access to Apple Pay with our VISA FAQ Where to use ApplePay
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 purchase | 25 Days |
Annual Fee | None |
Minimum finance charge | None |
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 fee | None |
*Annual Percentage Rate. A fee of 3% applies to each balance transferred. Rates and offers current as of 10/6/2020 and subject to change. Subject to credit approval. Offer expires 2/28/2021. After the intro rate expires the rate goes back to 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.