Credit Cards

Visa® Credit Cards with Low Rates and Plenty of Benefits to your Banking


Transfer your balance to a new Visa Platinum Credit Card, and get ZERO percent introductory APR* on your balance transfer for 6 months. After that, your APR will be 9.90% - 17.90% based on your creditworthiness.

With a BMI Federal Credit Union Visa Credit Card, you'll enjoy:  

  • No minimum finance charges
  • Enjoy Visa Contactless Chip Cards 
  • Grace periods on purchases
  • Visa's Zero Liability Policy**
  • Card Alerts+ with MyCardRules™
  • ID Navigator Powered by NortonLifeLock
    • Protect yourself with ID Navigator and get enhanced cyber fraud and security protection from NortonLifeLock. 
  • Cellular Telephone Protection
    • Pay your phone bill with your BMI FCU Visa Card, and Cellular Telephone Protection will reimburse you, the enrolled Visa cardholder, for any damage or theft!***

Explore Your Options 

Apply today for a Visa Platinum Credit Card or a Visa with Rewards Credit Card and enjoy all of the benefits to help you save more. You can also pick up a Visa Gift Card at any of our five branches in Columbus, Westerville, or Dublin. 

Getting Started

Your BMI Federal Credit Union Visa Credit Card is accepted throughout Central Ohio at millions of locations worldwide and gives you access to cash at ATMs displaying the Visa/PLUS symbol. We are here to help you get started.


*Application and Solicitation Disclosure


Interest Rates and Interest Changes
Annual Percentage Rate (APR) For Purchases VISA Platinum and VISA Platinum Secured:
9.90% - 17.90%, based on your creditworthiness.

VISA With Rewards and VISA With Rewards Secured:
14.74% - 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR For Balance Transfers VISA Platinum and VISA Platinum Secured
For Transactions Below $1,000.00
9.90% to 17.90%, based on your credit worthiness

For Transactions $1,000.00 and Greater 
0.00% Introductory APR for six months from account opening.


After that, your APR will be 9.90% to 17.90%, based on your creditworthiness.

Visa With Rewards and Visa With Rewards Secured: 
14.74% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR For Cash Advances VISA Platinum and VISA Platinum Secured: 
9.90% - 17.90%, based on your creditworthiness.


VISA With Rewards and VISA With Rewards Secured:
14.74% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at:  http://www.consumerfinance.gov/learnmore


Fees
Annual Fee

- Annual Fee - Visa Platinum and Visa Platinum Secure
- Annual Fee - Visa with Rewards and Visa with Rewards Secured
None

$49.00
Transaction Fees
- Foreign Transaction
1.00% of each transaction in U.S. dollars
Penalty Fees

- Late Payment
- Returned Payment
Up to $25.00
Up to $25.00


How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - Visa Platinum and Visa Platinum Secured:
The Introductory APR for balance transfers will apply to transactions of $1,000.00 or greater posted to your account during the first 30 days following the opening of your account. Any existing balances on BMI Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Effective Date: 
The information about the costs of the card described in this application is accurate as of: June 16, 2022.This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum and Visa Platinum Secured and Visa With Rewards and Visa With Rewards Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or join account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Other Fees & Disclosures:
Late Payment Fee: 
$25 of the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.

Annual Fee -Visa with Rewards and Visa with Rewards Secured: 
$49.00.

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.


loanliner logo
03400649-MXC10-P-033018 (MXC101-E)

**Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa.You must notify your financial institution immediately of any unauthorized use.
+ Visa Card Alerts are provided at no additional cost. However, you may incur charges to send or receive information for internet, cellular or other data services from your wireless carrier. MyCardRules is a mobile application developed and maintained by Jack Henry and Associates for financial institutions that use JHA Card Processing SolutionsTM card processing.
***Eligible Cellular Wireless Telephones only. See disclosure for details.