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 0.000% introductory APR* on your balance transfer for 7 months. After that, your APR will be 16.740% to 18.000% based on your creditworthiness when you open your account.

Open a new BMI FCU Visa credit card or make 5 transactions as an existing card holder and get entered for the chance to win a free Visa credit card payment**!

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 Question about redeeming rewards? Check out our FAQs. Visa with Rewards FAQ

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+ Card Management/Alerts: stay in control of your Visa debit or credit card Cellular Telephone Protection (eligibility requirements apply)

Loan Payments Made Easy

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

*Application and Solicitation Disclosure

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 11, 2025. 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 does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your Issuer for more details.
**Sweepstakes Official Rules: No purchase necessary to enter or win. Purchase does not improve your chances of winning. To enter, raffle tickets will be awarded for opening a new BMI FCU Visa credit card, or existing card holders making at least 5 BMI FCU Visa credit card transactions that month, or mail a postcard with your name, address and email address to BMI Federal Credit Union, Attn: Marketing, 6165 Emerald Parkway, Dublin, OH 43016. One mail-in entry per person per month. Must be a resident of Ohio and at least 18 years or older to enter. Entries must be received by the last day of each month in 2026. Not responsible for lost, late, misdirected, incomplete, or illegible entries. Winners will be selected in a random drawing from all eligible entries received each month. Drawing will be held on or before the 10th day of following month of the qualifying period. Any entries not selected in a Drawing Period will NOT be entered in subsequent Visa Payment drawings. Winners will be notified by email/phone and a cash bonus will be deposed in their savings account within 5 business days. There will be twelve (12) $540 monthly prizes awarded. Unclaimed prizes will not be awarded. BMI FCU employees, their immediate family, and official family members are not eligible to win. Cash prize may be considered income and reported on 1099 MISC or 1099INT. Taxes are the responsibility of the winner. BMI FCU may end or amend sweepstakes at any time. Odds of winning depend on the number of eligible entries received for the drawing. Void where prohibited, taxed or restricted. Official winners list available upon written request.