Visa Platinum Credit Card | Family in Car .

BMI FCU | Credit Card Offerings

Visa^® Credit Cards with Low Rates and Great Benefits

Enjoy rates lower than the national average and a special rate on balance transfers with a credit card from BMI FCU.

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 payment¹!

BMI FCU Visa Platinum Credit Card

Ideal for those who want a simple, low-rate card without complications.

Transfer Your Balance to a Visa Platinum Credit Card
Introductory APR* for 7 Months
0.000%
After that, your APR* will be
9.900% - 17.900%
based on your creditworthiness at account opening.

BMI FCU Visa With Rewards Credit Card

The Visa with Rewards credit card maximizes your rewards on everyday purchases.

Transfer Your Balance to a Visa with Rewards Credit Card
Introductory APR* for 7 Months
0.000%
After that, your APR* will be
16.740% - 18.000%
based on your creditworthiness at account opening.

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

Great Benefits On Both BMI FCU Visa Credit Cards

Low Rates
Transparent Fees
Visa's Zero Liability Policy***
Card Management/Alerts: stay in control of your Visa debit or credit card
Cellular Telephone Protection (eligibility requirements apply)

Recognized as the #1 Best Credit Union for eight consecutive years, our commitment to providing exceptional service is at the heart of what we do. As your partner in auto financing, we're here to make your journey from decision to ownership as seamless as possible.

Loan Payments Made Easy

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

Credit Cards FAQ

Elevate Your Credit Management

With BMI Federal Credit Union, selecting the right credit card for your financial needs is easy. Consolidate your debt, enjoy lower rates, and utilize flexible payment options, all backed by our supportive team ready to assist whenever you need.

A Collaborative Financial Journey

At BMI FCU, we go beyond offering products. We aim to be your ally in achieving your financial goals, with credit cards that empower better management and more opportunities for savings.

Modern Conveniences for an Enhanced Experience

Experience modern conveniences such as contactless payments an robust security measures, ensuring your spending is safe and seamless.

Step Up Your Financial Game with BMI FCU

Embrace the financial flexibility offered by BMI Federal Credit Union's Visa Credit Cards. Apply now, and let every purchase bring you closer to your goals. With our combination of low rates and personalized support, we're here to enhance your financial journey.

Join BMI FCU for a Rewarding Credit Card Experience

Ready for a credit card that meets your needs? Apply with BMI Federal Credit Union today and elevate your spending power and financial wellbeing. Join our community of satisfied members enjoying the benefits of intuitive, valuable credit card solutions.

#1 Best Credit Union, 8 Years in a Row!
*Application and Solicitation Disclosure

Interest Rates and Interest Changes

Annual Percentage Rate (APR) For Purchases	VISA Platinum and VISA Platinum Secured: 9.900% to 17.900%, based on your creditworthiness. VISA With Rewards and VISA With Rewards Secured: 16.740% to 18.000%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR For Balance Transfers	VISA Platinum and VISA Platinum Secured For Transactions Below $1,000.00 9.900% to 17.900%, based on your creditworthiness. For Transactions $1,000.00 and Greater 0.00% Introductory APR for seven months from the first balance transfer. After that, your APR will be 9.900% to 17.900%, based on your creditworthiness. Visa With Rewards and Visa With Rewards Secured For Transactions Below $1,000.00 16.740% 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 be 16.740% to 18.000%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR For Cash Advances	VISA Platinum and VISA Platinum Secured 9.900% to 17.900%, based on your creditworthiness. VISA With Rewards and VISA With Rewards Secured 16.740% to 18.000% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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 - Visa Platinum and Visa Platinum Secure - Annual Fee - Visa with Rewards and Visa with Rewards Secured	None $49.00
Transaction Fees - Foreign Transaction	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 - 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: 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 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-6-021225 (MXC104-E)

**National Average Credit Card Annual Percentage Rate Source: Bankrate.com, December 24, 2025. https://www.bankrate.com/credit-cards/advice/current-interest-rates/
***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 detail.
¹Sweepstakes 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.