Visa with Rewards Credit Card


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. Use the points you earn in various ways, including free gift certificates or travel.

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

Log in to BMI Federal Credit Union Rewards to redeem points or you can shop to earn more rewards!


Not looking for a variable card with rewards? Check out our Visa Platinum Credit Card.

*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!

Ready to get started? 


    


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
15.24% - 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:
0.00% Introductory APR for 6 months from the first balance transfer.

After that, your APR will be 9.90% to 17.90%, based on your creditworthiness.

VISA With Rewards and VISA With Rewards Secured:
15.24% - 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%, based on your creditworthiness.

VISA With Rewards and VISA With Rewards Secured:

15.24% - 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)."

Promotional Period for Introductory APR - Visa Platinum and Visa Platinum Secured:
The Introductory APR for balance transfers will apply to transactions 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 cost of the card described in this application is accurate as of: September 27, 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 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 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.

loanliner logo
03400649-MXC10-P-033018 (MXC101-E)

Back to Credit Cards