Visa Credit Cards

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You have World Wide purchase power with our VISA and at a very competitive rate!

NO over limit fee

NO inactivity fee

NO annual fee

NO minimum finance charge

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 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.