Visa® Credit Cards
BFCU offers our members two Visa® Credit Card options to meet your unique purchasing needs. Our Classic Visa Credit Card is perfect for members that prefer a low rate on purchases, balance transfers and cash advances. Our Platinum Visa Credit Card offers the added benefit of earning and redeeming points through the CURewards Program for discounts on travel and merchandise.
Both cards feature:
- Low Annual Percentage Rates (APR)
- No Annual Fee
- Credit limits up to $25,000
- 25-day grace period for purchases
- Mobile Wallet purchasing capability for added convenience and security with Apple® and Android® devices
- Acceptance at millions of locations worldwide
FAQs
How does Visa's Fraud Monitoring program work?
The Visa Credit Card may not work in certain countries due to a high number of fraud occurrences. Contact BFCU for a list of countries where your Visa card may not work before
traveling.
The Visa Classic and Visa Platinum credit cards come with automatic fraud detection and prevention to help ensure your account's security. If you experience a fraudulent charge while at home or traveling, you typically
have zero liability on unauthorized purchases when you report those charges right away.
Do I need to contact BFCU before traveling?
Yes, it's wise to alert us of your travel plans anywhere outside of New England. You can easily set travel notifications anytime, day or night, securely through our Visa App when logged into your BFCU Online or Mobile Banking Account.
How do I keep track of my purchases?
You'll receive monthly statements with details about each purchase you make with your Visa Classic or Visa Platinum credit card.
Does BFCU run a credit check for a Visa Classic or Visa Platinum credit card?
Yes, part of your application to receive a Visa Classic or Visa Platinum card involves authorizing BFCU to check your credit. However, there's more to you
than your credit score. With BFCU, your employment history, income, and history of making payments on time all help support our credit decisions.
Can I get a copy of my credit reports before I apply for a credit card?
Yes. It's wise to look closely at each of your three credit reports from Experian, Equifax and TransUnion at least once each year. Federal law dictates
that you have the legal right to see your complete credit file from each of the three credit bureaus once during each 12-month period. You can access your free credit reports by visiting www.annualcreditreport.com.
Can I use my BFCU Visa Classic or Visa Platinum credit card to get cash out of an ATM?
Yes. BFCU Visa Classic or Visa Platinum cards provide account owners with the ability to withdraw cash from an ATM machine, using the four-digit pin you choose when you set up the account.
Before using your Visa Classic or Visa Platinum card to get cash, read the card's terms of use and disclosures to learn more about the potential interest rate or fees you may pay to gain access to cash.
What other types of loans and credit products does BFCU offer?
BFCU members have access to any type of loan or credit they may need, depending on their creditworthiness and ability to repay the loan. With BFCU, members can
access our real estate loans, including fixed and adjustable-rate mortgages and mortgage refinance options. BFCU is dedicated to supporting First Responders and their families with the tools they need to become financially
successful.
BFCU education loan options include elementary and high school tuition loans, college tuition loans, and professional education lines of credit to help you grow in your profession.
Members can also access our wide variety of consumer loans, including auto and motorcycle loans with terms up to 84 months at very competitive rates.
If you need a personal loan, you can choose from our vacation loans, line of credit and unsecured personal loans. We even have a holiday loan program designed to help members budget for holiday gift-giving and travel.
How can I become a BFCU member?
Joining BFCU is easy, check our eligibility requirements for yourself and your family. Then simply join securely online or stop by our branch today.
