International Buying Power
Now is the time to switch to a smarter card.
- 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 | 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 | $30.00 $30.00 |
| Over-the-limit fee | None |
*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.