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VISA® Credit Cards

Get the convenience with a Bay Cities VISA® Credit Card

  • Simplify your everyday purchases
  • Get the flexibility to pay over time
  • Enjoy enhanced security and protection
  • Track your purchases online
If you already have a Bay Cities VISA® Credit Card you may be in need for more spending power to help you through the holidays.  Perhaps we can help by increasing your credit limit.

 


  • Low annual percentage rates
  • Non-variable rates on all our VISA® cards
  • No annual fee on Platinum, Gold & Classic VISA® cards
  • No over limit fees
  • No penalty rates for late or missed payments
  • 25 day grace period
  • Zero liability for lost or stolen cards
  • Emergency card replacement within 24 hours in the United States
PlatniumGoldClassicStandard
Annual Percentage Rates for Purchases9.5%10.5%14.5%17.75%
Annual Percentage Rates for Cash Advances10.5%11.5%15.5%18.75%
Penalty Annual Percentage RateNoneNone NoneNone
Minimum Interest ChargeThere is no minimum interest charge
Annual FeeNoneNoneNone$20
Transaction Fees
Balance Transfer

Cash Advance

Foreign Transaction

None


None


None

None


None


None

None


Greater of 1.5% of amount or $2

1% of each foreign currency transaction in U.S. dollars
0.80% of each U.S. dollar transaction that occurs in a foreign country




None


Greater of 1.5% of amount or $2

1% of each foreign currency transaction in U.S. dollars
0.80% of each U.S. dollar transaction that occurs in a foreign country
Penalty Fees

Late Payment

Over the Credit Litmit

Returned Payment		$15 when the payment is 15 or more days late

None

$25		$15 when the payment is 15 or more days late

None

$25		$15 when the payment is 15 or more days late

None

$25		$15 when the payment is 15 or more days late

None

$25
How to Avoid Paying Interest on PurchasesYour 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.

 

Protect yourself and your valuable credit by signing up for the free by VISAVerified by VISA® service. This protection may be required for many of your online VISA® purchases.