International Buying Power

Now is the time to switch to a smarter card.

  • No over limit fee
  • No inactivity fee
  • No annual fee

*Annual percentage rate


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
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
Over-the-limit feeNone

*Annual percentage rate

**Late pay is considered 5 or more days late. After 6 months of consecutive on-time payments we will initiate an account review.