BMI Federal Credit Union | Credit Cards
Visa® Credit Cards with Low Rates and Great Benefits
Unlock the full potential of your purchases with BMI Federal Credit Union's diverse credit card offerings. Tailored to provide financial freedom, our Visa credit cards come with competitive rates designed to fit your lifestyle perfectly.
Compare the different Visa credit cards we offer to choose the one right for you!
Great Benefits On Both BMI FCU Visa Credit Cards
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Award-Winning Service
Recognized as the #1 Best Credit Union for six 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.
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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.
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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.
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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.
*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:
17.999% - 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:
17.999% 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:
17.999% - 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: September 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 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.
Visa Gift Cards
You can also pick up a Visa Gift Card at any of our five branches.
©TruStage Compliance Solutions 2009, 10, 12, 16, 2023
03400649-MXC10-C-4-071923 (MXC104-E)
**National Average Credit Card Annual Percentage Rate Source: WalletHub Credit Card Landscape Report, July 22, 2024. https://wallethub.com/edu/cc/credit-card-landscape-report/24927#interest-rates
***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.
+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.®