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  Bay Federal Credit Union Business Visa Credit Card

Bay Federal Credit Union Business Visa Credit Card

in Business Credit Cards from Bay Federal Credit Union

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Bay Federal Credit Union Business Visa Credit Card

Unaffiliated

in Business Credit Cards from Bay Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 10.24%
Balance Transfer APR  (Variable APR) 10.24%
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 10.24%
  • 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 oods if your credit score is above600.
Pros & Cons of Bay Federal Credit Union Business Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple business credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Bay Federal Credit Union Business Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
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 10.24%. The card has a variable balance transfer APR of 10.24% .

It also has a variable cash advance APR of 10.24%.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business credit card does not offer an introductory rate on new purchases.

Bay Federal Credit Union Business Visa Credit Card Rates & Terms
Purchase APR 10.24%
Balance Transfer APR 10.24%
Cash Advance APR 10.24%

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.

Bay Federal Credit Union Business Visa Credit Card Fees
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 rewards program?

No, it does not offer a cash back rewards program.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

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.

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 10:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

Other Services by Bay Federal Credit Union

Feature Breakdown

Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee (%) 2%
Cash Advance Fee Minimum $2
Late Fee Amount Up to $39
Minimum Cash Advance Fee ($) $2
Returned Payment Fee Up to $28
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Balance Computation Average Daily Balance (including new purchases).
Cash Advance APR (Variable APR) 10.24%
Purchase APR (Variable APR) 10.24%
Balance Transfer APR (Variable APR) 10.24%
Card Network Visa
Card Type
  • Low Interest

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