Visa Platinum Credit Card

Low Rates, No Annual Fees, and Great Benefits 


Transfer Your Credit Card Balance 

Transfer your credit card balance to a new BMI Federal Credit Union Visa® Platinum Credit Card, and earn ZERO percent introductory annual APR* for 6 months on your balance transfer. 

Benefits of the Visa Platinum Credit Card

Why is this our best card? It's the easy and secure way to pay everyday.

  • Low rates
  • No balance transfer fee
  • No annual fee
  • No minimum finance charge
  • 25-day grace period on purchases
  • Card Alerts+ with MyCardRules™
  • ID Navigator Powered by LifeLock
    • Protect yourself with ID Navigator and get enhanced cyber fraud and security protection from NortonLifeLock. 
  • Cellular Telephone Protection
    • Save even more when you protect your cell phone with your BMI Federal Credit Union Visa Credit Card. Pay your phone bill with your BMI FCU Visa Card, and Cellular Telephone Protection will reimburse you, the enrolled Visa cardholder, for any damage or theft!**

Visa 2021 NFL Sweepstakes***

Use your Visa card and be entered to win a once-in-a-lifetime trip to Los Angeles for Super Bowl LVI. Pay with your BMI Federal Credit Union Visa card, or any other Visa, from 09/01/21-10/31/21 for a chance to win. 

Feel Secure When You Use Your Card

Get enhanced fraud protection and extra coverage

  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Share-Secured Visa Credit Card for individuals establishing credit
  • Visa's Zero Liability Policy**** 

Get Started Today

Your BMI Federal Credit Union Visa Credit Card is accepted throughout Central Ohio at millions of locations worldwide and gives you access to cash at ATMs displaying the Visa/PLUS symbol. We are here to help you 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%, based on your creditworthiness.

VISA With Rewards and VISA With Rewards Secured:
13.24% - 17.24%, 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
9.90% to 17.90%,
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 9.90% to 17.90%, based on your creditworthiness.

Visa With Rewards and Visa With Rewards Secured: 
13.24% to 17.24%, 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:
13.24% - 17.24% 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
- 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 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: July 31, 2021.
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)


+Visa Card Alerts are provided at no additional cost. However, you may incur charges to send or receive information for internet, cellular or other data services from your wireless carrier. MyCardRules is a mobile application developed and maintained by Jack Henry and Associates for financial institutions that use JHA Card Processing SolutionsTM card processing.
**Eligible Cellular Wireless Telephones only. See disclosure for details.

***NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE VISA 2021 NFL SWEEPSTAKES. Open only to legal 50 U.S. & D.C. residents who are 18 or older as of 9/1/21. Void in P.R. and where prohibited. Begins at 12:00 AM PT on 9/1/21 and ends at 11:59PM PT on 10/31/21 (“Promotion Period”). TO ENTER: 1) Automatic Entry: An eligible Visa cardholder will automatically receive one (1) Sweepstakes entry for each eligible Visa purchase made during the Promotion Period at a participating merchant location in the U.S. BONUS ENTRY: An eligible Visa cardholder will automatically receive one (1) bonus Sweepstakes entry for each eligible contactless Visa purchase made using his/her contactless Visa card or using his/her Visa card with a payment-enabled mobile or wearable device during the Promotion Period at a participating merchant location in the U.S. 2) To Enter by Mail Without Purchase or Obligation: Hand-print your name, street address, city, state, ZIP code, and daytime and evening telephone numbers (including area code), and email address, on plain 3" x 5" paper, and mail it in a #10 envelope with sufficient postage affixed, to: Visa 2021 NFL Sweepstakes, P.O. Box 7740, Melville, NY 11775-7740. Mailed entries must be postmarked between 9/1/21 and 10/31/21, and received by 11/8/21. Enter as often as you wish; however, each mailed entry will count as two (2) entries into the random drawing and must be mailed in a separate postmarked-and-stamped envelope. Mechanical reproductions prohibited. ONE (1) GRAND PRIZE: Super Bowl LVI trip package consisting of a 4-day/3-night trip departing on 2/11/22 and returning on 2/14/22 for two (2) people (winner and 1 guest) to Los Angeles, CA to attend Super Bowl LVI, scheduled to take place on 2/13/22. Prize includes two (2) tickets to Super Bowl LVI, round-trip economy class air transportation for two (2) people from a major U.S. gateway airport nearest the winner’s home, transportation to/from airport and hotel and all scheduled activities, hotel accommodations including breakfast daily (one room, double occupancy), two (2) tickets to the Super Bowl LVI Visa Tailgate and the VIP Super Bowl Experience, one (1) Visa Super Bowl LVI gift (for winner only), and one (1) $275 Visa Prepaid Product. In addition to the aforementioned prize, $7,800 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize (collectively, the “Grand Prize Trip”). ARV of Grand Prize Trip: $26,750. In lieu of taking the Grand Prize Trip, the winner will have the option of receiving $5,000 cash awarded in the form of a check and a Visa NFL Gift Box valued at up to $5,000. In addition to the aforementioned prize, $3,400 cash will be awarded in the form of a check that can be used toward the payment of income taxes associated with the prize (collectively, the “Grand Prize Cash Option”). ARV of Grand Prize Cash Option: $13,400. ODDS: Estimated odds of winning are 1 in 13,455,666,787; however, the actual odds of winning depend upon the total number of eligible entries received. Sweepstakes subject to complete Official Rules, available at this location and www.visa.com/NFLUltimateSweepstakesFullRules. SPONSOR: Visa U.S.A. Inc., P.O. Box 8999, San Francisco, CA 94128-8999. The NFL Entities have not offered or sponsored this Sweepstakes in any way


****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. 

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