VISA

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

Apply Now!

Summary

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 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. A fee of 3% applies to each balance transferred. Rates and offers current as of 10/6/20202 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.