VISA® Credit Cards

 

With a Bay Cities VISA® Credit Card you can enjoy all the features and benefits that help you make the most of your money with the convenience and security that you deserve.

 

 


  • 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

Greater of 1.5% of amount or $2

None

Greater of 1.5% of amount or $2

Greater of 1.5% of amount or $2

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.