Bay Federal Credit Union Visa Gold Plus Credit Card

Bay Federal Credit Union Visa Gold Plus Credit Card Review

This is a cashback card issued by Bay Federal Credit Union. If you're wondering whether Bay Federal Credit Union Visa Gold Plus Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Bay Federal Credit Union Visa Gold Plus Credit Card has a variable purchase APR of 15.74%
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, 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, 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 650.

Pros & Cons of Bay Federal Credit Union Visa Gold Plus Credit Card

The Good

The Bad

1% Cash Rebate on Purchases Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Identity Theft Protection. Travel accident and travel assistance insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. Bay Federal Credit Union Visa Gold Plus Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus.

Bay Federal Credit Union Visa Gold Plus Credit Card FAQ

Does Bay Federal Credit Union Visa Gold Plus Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Bay Federal Credit Union Visa Gold Plus Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Bay Federal Credit Union Visa Gold Plus Credit Card benefits?

It provides the following benefits:

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

What are the relevant APRs for Bay Federal Credit Union Visa Gold Plus 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 Plus Credit Card has a variable purchase APR of 15.74%. The card has a variable balance transfer APR of 15.74% . It also has a variable cash advance APR of 15.74% .

What are the fees for Bay Federal Credit Union Visa Gold Plus Credit Card?

The following fees apply:

Bay Federal Credit Union Visa Gold Plus 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 cashback card.

Does Bay Federal Credit Union Visa Gold Plus Credit Card report your account activity to credit bureaus?

Yes, Bay Federal Credit Union Visa Gold Plus Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian

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 Plus Credit Card

• Visit the Bay Federal Credit Union Visa Gold Plus 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.