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Bay Federal Credit Union Visa Gold Credit Card
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Purchase APR (Variable APR) |
13.74% (Verified 11/07/2022) |
Balance Transfer APR (Variable APR) |
13.74% (Verified 11/07/2022) |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Bay Federal Credit Union Visa Gold Credit Card Review
This is a credit card issued by Bay Federal Credit Union. If you're wondering whether Bay Federal Credit Union Visa Gold Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Bay Federal Credit Union Visa Gold Credit Card has a variable purchase APR of 13.74%
- 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, emergency support, extended warranty protection on purchases, identity theft protection, 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 Visa Gold Credit Card
The Good | The Bad |
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Bay Federal Credit Union Visa Gold Credit Card FAQ
Does Bay Federal Credit Union Visa Gold 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 Gold Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Bay Federal Credit Union Visa Gold 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. This card has lower than average regular APRs.Bay Federal Credit Union Visa Gold Credit Card has a variable purchase APR of 13.74%. The card has a variable balance transfer APR of 13.74% . It also has a variable cash advance APR of 13.74% .
Does Bay Federal Credit Union Visa Gold 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 Gold 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 Gold Credit Card?
The following fees apply:
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 Gold 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 Gold Credit Card?
The Bay Federal Credit Union Visa Gold Credit Card customer service number is (831) 479-6000.
What is the support contact email for Bay Federal Credit Union Visa Gold Credit Card?
The support contact email for Bay Federal Credit Union Visa Gold Credit Card is info@bayfed.com.
What is the Bay Federal Credit Union Visa Gold Credit Card login page?
You can access the Bay Federal Credit Union Visa Gold Credit Card login page here.
How do people rate the customer service and user experience of Bay Federal Credit Union Visa Gold Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Bay Federal Credit Union Visa Gold Credit Card report your account activity to credit bureaus?
Yes, Bay Federal Credit Union Visa Gold 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 Gold Credit Card
- Visit the Bay Federal Credit Union Visa Gold 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.
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
Cash Advance Fee Minimum | $2 |
Cash Advance Fee (%) | Starting at 2% |
Minimum Cash Advance Fee ($) | Starting at $2 |
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
No Foreign Transaction Fee | |
Annual Fee | $0 |
No Interest Grace Period for Late Payment | 21 days |
Returned Payment Fee | Up to $28 |
Late Fee Amount | Up to $39 |
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