Earn 20,000 Bonus Points1 when you spend $4,000 in the first 90 days of account opening.
BFSFCU’s Visa® Signature credit card comes with excellent terms, and now, when you open your Signature card account in October, you’ll earn 20,000 bonus points when you spend $4,000 in the first 90 days of account opening1. Redeem your points for travel, merchandise and gift cards. Apply for your Visa Signature card today and you’ll enjoy:
Take advantage of this limited time offer.
BFSFCU Visa® Signature Credit Card Application and Solicitation Disclosure
|Interest rates and charges||Alert Me|
|Annual Percentage Rate (APR) for Purchases||0.00% Introductory APR for a period of six (6) billing cycles. After that, your APR will be 13.90% and will vary with the market based on the Prime Rate.|
|APR for Balance Transfers||1.90% Introductory APR for a period of twelve (12) billing cycles. After that, your APR will be 16.90% and will vary with the market based on the Prime Rate.|
|APR for Cash Advances||1.90% Introductory APR for a period of twelve (12) billing cycles. After that, your APR will be 16.90% and will vary with the market based on the Prime Rate.|
|Penalty APR and When It Applies||18.00% This APR may be applied to the entire balance on your account if you are 60 days delinquent in making a payment. How Long Will the Penalty APR Apply? The penalty APR will apply until you make six consecutive minimum payments when due.|
|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.|
|Minimum Interest Charge||None|
|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.|
|Set-up and Maintenance Fees||Transaction Fees||Alert Me|
|Account Set-up Fee||None||Balance Transfers||None|
|Annual Fee||None||Cash Advances||None|
|Participation Fee||None||Foreign Transactions||None|
|Account Maintenance Fee on Closed Accounts||None|
|Additional Card Fee||None|
|Penalty Fees||Alert Me|
|Late Payment||Up to $25|
|Over-the-Credit Limit Fee||None|
|Returned Payment||Up to $25|
|How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” Your due date is 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. 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 www.consumerfinance.gov/learnmore. Effective Date: The information about the costs of the card described in this application is accurate as of September 29, 2017. This information may have changed after that date. To find out what may have changed, contact the Credit Union.|
1 Offer valid for cardholders issued new Visa Signature credit card accounts. To be eligible for the 20,000 points offer, you must make $4,000 or more in net purchases within 90 days of account opening. Rewards are awarded based on net purchases. Net purchases are eligible purchases charged to your BFSFCU Visa Signature card less rebates and other similar credits. Cash advances, traveler’s check purchases, balance transfers, fees, and interest charges are not eligible purchases. Please allow up to eight weeks after the 90-day period for the 20,000 points to post to your rewards balance. Account must be open and not in default at the time the 20,000 points are posted to your rewards balance. Limit of one promotional offer at account opening. Offer expires 10/31/17.
2 Annual Percentage Rate. Extensions of credit are subject to credit approval. Minimum of $100 for balance transfers from other card issuers. Balances cannot be transferred from existing BFSFCU loans or credit cards to another BFSFCU credit card and qualify. Payments will be applied first to any balance with high APRs prior to balances with low APRs. Rates are effective as of September 29, 2017 and subject to change. Please visit www.bfsfcu.org/rates for current rates. This is not a guaranteed offer of credit; underwriting guidelines apply.