Bay Federal Credit Union Business Visa Credit Card
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| Purchase APR (Variable APR) |
13.99% (Verified 11/07/2022) |
| Balance Transfer APR (Variable APR) |
13.99% (Verified 11/07/2022) |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Bay Federal Credit Union Business Visa Credit Card Review
Key Takeaways
- Competitive APRs. Bay Federal Credit Union Business Visa Credit Card has a variable purchase APR of 13.99%
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Bay Federal Credit Union Business Visa Credit Card
| The Good | The Bad |
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Bay Federal Credit Union Business Visa Credit Card FAQ
Who is Bay Federal Credit Union Business Visa Credit Card designed for?
This is a credit card issued by Bay Federal Credit Union.
This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.
What are the relevant APRs?
This business credit card has a variable purchase APR of 13.99%. The card has a variable balance transfer APR of 13.99% .
It also has a variable cash advance APR of 13.99%.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 13.99% |
| Balance Transfer APR | 13.99% |
| Cash Advance APR | 13.99% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39.
- A returned payment fee of up to $28.
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $28 |
| Late Payment Fee | up to $39 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
What are the benefits?
This business credit card provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Fraud Liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is (831) 479-6000.
What is the support contact email?
The support contact email for this business credit card is info@bayfed.com.
Does Bay Federal Credit Union Business Visa Credit Card report your account activity to credit bureaus?
Yes, Bay Federal Credit Union Business Visa Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the Bay Federal Credit Union .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Message From Bay Federal Credit Union Business Visa Credit Card
Contact
- Headquarters
-
3333 Clares Street
Capitola, CA 95010 USA - (831) 479-6000
- Visit Site
- Email Support
Other Services by Bay Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Annual Fee | $0 |
| Cash Advance Fee (%) | 2% |
| Cash Advance Fee Minimum | $2 |
| Foreign Currency Transaction Fee | 0% |
| Late Fee Amount | Up to $39 |
| Minimum Cash Advance Fee ($) | $2 |
| No Annual Fee | |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 21 days |
| Returned Payment Fee | Up to $28 |
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