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  BCS Community Credit Union Visa Credit Card
BCS Community Credit Union Visa Credit Card
in Credit Cards from BCS Community Credit Union
Unaffiliated

BCS Community Credit Union Visa Credit Card

Unaffiliated
in Credit Cards from BCS Community Credit Union
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Highlights
Purchase APR  (Variable APR) 10.90% - 21%
(Verified 12/02/2022)
Balance Transfer APR  (Variable APR) 10.90% - 21%
(Verified 12/02/2022)
Credit Score Range 600 - 850
Annual Fee $25

BCS Community Credit Union Visa Credit Card Review

This is a card issued by BCS Community Credit Union. If you're wondering whether BCS Community Credit Union Visa Credit Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. BCS Community Credit Union Visa Credit Card has a variable purchase APR that ranges from 10.90% up to 21%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of BCS Community Credit Union Visa Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • BCS Community Credit Union Visa Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $25
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

BCS Community Credit Union Visa Credit Card FAQ

Does BCS Community Credit Union Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the BCS Community Credit Union Visa Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for BCS Community Credit Union Visa 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.

BCS Community Credit Union Visa Credit Card has a variable purchase APR that ranges from 10.90% up to 21%. The card has a variable balance transfer APR that ranges from 10.90% up to 21%. It also has a variable cash advance APR that ranges from 10.90% up to 21%.

Does BCS Community Credit Union Visa Credit Card have an intro APR offer on balance transfers?

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

Does BCS Community Credit Union Visa 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 BCS Community Credit Union Visa Credit Card?

The following fees apply:

BCS Community Credit Union Visa Credit Card Fees
Fees Amount
Annual Fee $25
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $15

Does BCS Community Credit Union Visa Credit Card have a foreign transaction fee?

BCS Community Credit Union Visa Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for BCS Community Credit Union Visa Credit Card?

The BCS Community Credit Union Visa Credit Card customer service number is (303) 425-6627.

What is the support contact email for BCS Community Credit Union Visa Credit Card?

The support contact email for BCS Community Credit Union Visa Credit Card is memberservices@bcscu.com.

What is the BCS Community Credit Union Visa Credit Card login page?

You can access the BCS Community Credit Union Visa Credit Card login page here.

How do people rate the customer service and user experience of BCS Community Credit Union Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does BCS Community Credit Union Visa Credit Card report your account activity to credit bureaus?

Yes, BCS Community Credit Union 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 for BCS Community Credit Union Visa Credit Card

  • Visit the BCS Community Credit Union Visa 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 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About BCS Community Credit Union Visa Credit Card

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Availability

  Available in 50 states and Washington, D.C.
  • 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

Foreign Currency Transaction Fee 1%
Annual Fee $25
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Late Fee Amount Up to $15
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 10.90% - 21%
APR Type Variable APR
Credit Limit Up to $20
Purchase APR (Variable APR) 10.90% - 21%
(Verified 12/02/2022)
Balance Transfer APR (Variable APR) 10.90% - 21%
(Verified 12/02/2022)
Card Type
  • Low Interest
Card Network Visa

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