Visa with Rewards Credit Card
Earn Points and Save More
From groceries to gas, your BMI Federal Credit Union Visa® Credit Card with Rewards is the rewarding way to pay, everyday. BMI FCU makes it easy for you to accumulate points, so your everyday purchases will really pay off.
With a Visa with Rewards Credit Card, you enjoy:
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How to Redeem Rewards
- Visit your Visa with Rewards portal
- 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!
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Travel Rewards
- Your travel options are virtually limitless, with no blackout dates. Use your Visa points for airline tickets, hotel stays and car rentals.
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Gift Card Rewards
- Our Visa rewards program lets you choose from a wide variety of gift card reward options. With gift cards for entertainment, shopping, dining, fuel or even prepaid cards, you’re guaranteed to find one that fits your needs.
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Getting Started
Loan Payments Made Easy
Find the most convenient way for you to make a loan payment with BMI Federal Credit Union.
*Application and Solicitation Disclosure
Interest Rates and Interest Changes
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| Annual Percentage Rate (APR) For Purchases |
VISA Platinum and VISA Platinum Secured:
9.900% - 17.900%, based on your creditworthiness.
VISA With Rewards and VISA With Rewards Secured:
17.740%- 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 |
VISA Platinum and VISA Platinum Secured
For Transactions Below $1,000.00
9.900%to 17.900%, based on your credit worthiness.
For Transactions $1,000.00 and Greater
0.00% Introductory APR for six months from account opening.
After that, your APR will be 9.900% to 17.900%, based on your creditworthiness.
Visa With Rewards and Visa With Rewards Secured:
17.740% 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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| APR For Cash Advances |
VISA Platinum and VISA Platinum Secured:
9.900% - 17.900%, based on your creditworthiness.
VISA With Rewards and VISA With Rewards Secured:
17.740% - 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 - Visa Platinum and Visa Platinum Secure
- Annual Fee - Visa with Rewards and Visa with Rewards Secured
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None
$49.00 |
Transaction Fees
- Foreign Transaction |
1.00% of each transaction in U.S. dollars |
Penalty Fees
- Late Payment
- Returned Payment
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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 - Visa Platinum and Visa Platinum Secured:
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: November 8, 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 Platinum and Visa Platinum Secured and 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 -Visa with Rewards and Visa with Rewards Secured:
$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-4-071923 (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.
+Card Alerts are provided at no additional cost from BMI FCU. Message and Data rates may apply. MyCardRules is a registered trademark of Jack Henry & Associates, Inc.®
***Eligible Cellular Wireless Telephones only. See disclosure for details.