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  Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card

Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card

in Personal Credit Cards from Bank Fund Staff Federal Credit Union

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Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card

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in Personal Credit Cards from Bank Fund Staff Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 12.9%
Balance Transfer APR  (Variable APR) 15.9%
Credit Score Range 600 - 850
Annual Fee $0

Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card Review

This is a rewards credit card issued by Bank Fund Staff Federal Credit Union. If you're wondering whether Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Signup bonus. Offers a signup bonus of 20000 points after spending $4,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card has a variable purchase APR of 12.9%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.9%.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Access to a concierge.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card is accepted.
  • Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card reports to multiple credit bureaus.
Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card FAQ

Does Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card have a cash back or rewards program?

Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card is a rewards card.

Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 20000
Signup Bonus Spend Requirement $4000
Signup Bonus Spend Period (months) 3 months

Does Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $4000 that can be redeemed for travel, gifts, or other perks.

Does Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR of 12.9%. The card has a variable balance transfer APR of 15.9% . It also has a variable cash advance APR that ranges from 1.9% up to 15.9%. Note that late payments are subject to an APR of 17.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 1.9% for a period of up to 12 months.

Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 1.9%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 15.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card have an intro APR offer on new purchases?

Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card?

The following fees apply:

  • There is no overlimit fee
Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card?

The Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card customer service number is (800) 923-7328.

What is the support contact email for Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card?

The support contact email for Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card is memberservices@bfsfcu.org.

Does Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card report your account activity to credit bureaus?

Yes, Bank Fund Staff Federal Credit Union Beyond Visa Signature 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 for Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card

  • Visit the Bank Fund Staff Federal Credit Union Beyond Visa Signature Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Paper Statement Fee $2
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
No Blackout Dates
Rewards Categories
  • Every Purchase
  • Travel
  • Hotels
  • Airfare
  • Car Rentals
Signup Bonus (points) 20,000
Cash Advance APR (Variable APR) 1.9% - 15.9%
Balance Computation "average daily balance (including new purchases)."
Penalty APR (Variable APR) 17.9%
Purchase APR (Variable APR) 12.9%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 1.9%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 15.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
Card Network Visa

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