Family Overlooking Mountain Range

Visa with Rewards from BMI Federal Credit Union

Get Rewarded for Your Everyday Spending

Our rates are lower than the national average! Transfer your balance to a new Visa with Rewards Credit Card, and get ZERO percent introductory APR* on your balance transfer for 7 months. After that, your APR will be 17.490% - 18.000% based on your creditworthiness when you open your account.

Our Visa with Rewards program is changing and we are adding more reward options. To prepare, you will not be able to redeem points between April 10, and April 17, 2025. During this time, purchases will continue to accrue points, however, you will not be able to access the Rewards site to redeem points.

After April 17, you will need to access the new Rewards site and register your card. To do this, you will need your email, card number, last four of SSN, and your zip code.

How points are earned will not change and any existing unused points will carry over.

With a Visa with Rewards Credit Card, you enjoy:

Gift cards for hundreds of your favorite stores and restaurants plus electronic delivery options
Travel rewards for flights, hotels, car rentals, cruises, vacation experiences and more
Cash to spend however you want⁺
Statement credits⁺
Sporting, musical, and theater events⁺
Split tender option; option to pay the balance of a redemption if there are not enough earned points⁺
Points that never expire
No redemption fees and no limits
Visa's Zero Liability policy⁺⁺
ID Navigator Powered by NortonLifeLock
Cellular Telephone Protection***

⁺New Rewards beginning April 18, 2025.

How to Redeem Points for Rewards

Log in to BMI Federal Credit Union Rewards using your BMI FCU login
Register your Rewards Card in the left navigation menu Register
Redeem your points with hundreds of rewards to choose from

Redeem Points

Loan Payments Made Easy

Find the most convenient way for you to make your payment with BMI Federal Credit Union.

*Application and Solicitation Disclosure

Interest Rates and Interest Changes

Annual Percentage Rate (APR) For Purchases	17.490% to 18.000%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR For Balance Transfers	For Transactions Below $1,000.00 17.490% to 18.000% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. For Transactions $1,000.00 and Greater 0.00% Introductory APR for seven months from the first balance transfer. After that, your APR will 17.490% to 18.000%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR For Cash Advances	17.490% to 18.000% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee - Annual Fee	$49.00
Transaction Fees - Foreign Transaction Fee	1.00% of each transaction in U.S. dollars
Penalty Fees - Late Payment Fee - Returned Payment Fee	Up to $25.00 Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR:
The introductory APR for balance transfers will apply to transactions of $1,000.00 or greater posted to your account during the first 30 days following the opening of your account. Any existing balances on BMI Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Effective Date:
The information about the costs of the card described in this application is accurate as of: December 19, 2024. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa With Rewards and Visa With Rewards Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or join account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at
1-800-342-3736 or www.dfs.ny.gov.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 of the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.

Annual Fee:
$49.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

++Visa's Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa.You must notify your financial institution immediately of any unauthorized use.
***Eligible Cellular Wireless Telephones only. See disclosure for details.