Visa with Rewards Credit Card!


From groceries to buying gas for your car, 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. Use the points you earn in a variety of ways, including free gift certificates or travel anywhere in the world!

With BMI FCU's Visa with Rewards Card, you enjoy:

  • Points on everyday purchases
  • No redemption fees and no limits
  • No blackout dates on travel awards
  • Points that never expire
  • Visa's Zero Liability policy*

Log in to BMI FCU’s Rewards site to redeem points or shop and earn more rewards!

Not looking for a variable card with rewards? Check out our Platinum Visa credit card instead.

*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. 


Redeem Your Points with Hundreds of Rewards to Choose From

Travel Rewards
Your travel options are virtually limitless, with no blackout dates. Use your Visa points for airline tickets, hotel stays and car rentals. No hassle lets you head for the sun, surf, slopes or your favorite city's streets, without worrying about your credit card rewards,

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. Use them for yourself, or give them as gifts!

Apply for a BMI FCU Credit card with Rewards today!

 

Our credit cards are designed to benefit our members and their needs. We also offer a Share-Secured Visa Credit Card for individuals who are establishing credit.

Application and Solicitation Disclosure

 Interest Rates and Interest Changes
Annual Percentage Rate (APR) For Purchases

VISA Platinum and VISA Platinum Secured: 9.90% - 17.90%, when you open your account, based on your creditworthiness.

VISA With Rewards and VISA With Rewards Secured: 14.74% - 18.00%, 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: 9.90% - 17.90%, when you open your account, based on your creditworthiness.

VISA With Rewards and VISA With Rewards Secured: 14.74% - 18.00%, when you open your account, 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: 9.90% - 17.90%, when you open your account, based on your creditworthiness.

VISA With Rewards and VISA With Rewards Secured: 14.74% - 18.00% 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 We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date.
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
  • Returned Payment

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)."

Effective Date: The information about cost of the card described in this application is accurate as of: January 1, 2018. 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 Vis 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 joint 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. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by an specific Pledge of Shares you grant us be will not be deemed a covered borrower if: (i)you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:

Late Payment Fee: $25 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.