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  Bay Federal Credit Union Visa® Classic Credit Card

Bay Federal Credit Union Visa® Classic Credit Card

in Personal Credit Cards from Bay Federal Credit Union

Unaffiliated

Bay Federal Credit Union Visa® Classic Credit Card

Unaffiliated

in Personal Credit Cards from Bay Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 14.24%
Balance Transfer APR  (Variable APR) 14.24%
Credit Score Range 600 - 850
Annual Fee $0

Bay Federal Credit Union Visa® Classic Credit Card Review

This is a credit card issued by Bay Federal Credit Union. If you're wondering whether Bay Federal Credit Union Visa® Classic 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
  • Competitive APRs. Bay Federal Credit Union Visa® Classic Credit Card has a variable purchase APR of 14.24%
  • 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 credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, travel accident insurance, 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 Visa® Classic Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Bay Federal Credit Union Visa® Classic 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 Visa® Classic Credit Card FAQ

Does Bay Federal Credit Union Visa® Classic Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Bay Federal Credit Union Visa® Classic Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Bay Federal Credit Union Visa® Classic 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 14.24%. The card has a variable balance transfer APR of 14.24% . It also has a variable cash advance APR of 14.24% .

Does Bay Federal Credit Union Visa® Classic Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Bay Federal Credit Union Visa® Classic Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Bay Federal Credit Union Visa® Classic Credit Card?

The following fees apply:

Bay Federal Credit Union Visa® Classic Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $28
Late Payment Fee up to $39

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

Does Bay Federal Credit Union Visa® Classic 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 Bay Federal Credit Union Visa® Classic Credit Card?

The Bay Federal Credit Union Visa® Classic Credit Card customer service number is (831) 479-6000.

What is the support contact email for Bay Federal Credit Union Visa® Classic Credit Card?

The support contact email for Bay Federal Credit Union Visa® Classic Credit Card is info@bayfed.com.

Does Bay Federal Credit Union Visa® Classic Credit Card report your account activity to credit bureaus?

Yes, Bay Federal Credit Union Visa® Classic 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 Bay Federal Credit Union Visa® Classic Credit Card

  • Visit the Bay Federal Credit Union Visa® Classic 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.

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

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View all personal credit cards offered by Bay Federal Credit Union

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

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $2
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Starting at $2
Returned Payment Fee Up to $28
Late Fee Amount Up to $39
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
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 14.24%
Balance Computation “Average Daily Balance (including new purchases).”
Purchase APR (Variable APR) 14.24%
Balance Transfer APR (Variable APR) 14.24%
Card Type
  • Low Interest
Card Network Visa

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