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.
How to Register and Redeem Points for Rewards
Visit the Rewards site and select "Create Account". Then, provide the following:
- Username and Email Address
- Full Card Number
- Last 4 Digits of Your SSN
- 5-Digit Postal Code
- Password
Register and Redeem
Loan Payments Made Easy
Find the most convenient way for you to make your payment with BMI Federal Credit Union.
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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***
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*Application and Solicitation Disclosure
Interest Rates and Interest Changes
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| 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.
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| 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.
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| 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. |
| Annual Fee
- Annual Fee
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$49.00 |
Transaction Fees
- Foreign Transaction Fee |
1.00% of each transaction in U.S. dollars |
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
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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.
©TruStage Compliance Solutions 2009, 10, 12, 16, 2023
03400649-MXC10-C-5-032025 (MXC104-E)
++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.