Get a Visa Platinum Credit Card Today!

Low Rates, No Annual Fees: A Card that Benefits You


BMI FCU's Visa® Platinum credit card is the easy and secure way to pay everyday, and with all the great benefits, you will be glad it is in your wallet. Open a BMI FCU Visa Platinum credit card today and enjoy:

  • Low rates
  • No balance transfer fee
  • No annual fee
  • No minimum finance charge
  • 25-day grace period on purchases

Feel Secure When You Use Your Card

Not only can you enjoy great purchasing benefits, but you also get enhanced fraud protection and extra coverage with your BMI FCU Visa Platinum credit card:

  • 0% liability* if your card is ever lost or stolen
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Lost/Stolen Card Reporting

*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. 

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. Apply Now! 

 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.

Annual Percentage 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.