VISA Credit Cards

Visa Classic

No Annual Fee
Low Variable Interest Rates
Auto Rental Insurance
Travel and Accident Insurance

Get the convenience you deserve with a Bay Federal Visa Classic Credit Card! Enjoy having the purchasing power and versatility of Visa at your fingertips. Visa is accepted widely around the world at merchants displaying the Visa logo. A great starter card!

Visa Gold

No Annual Fee
Low Variable Interest Rate
Travel and Emergency Assistance
Warranty Manager
Visa Assistance Center
Auto Rental Insurance

Visa Gold Benefits Disclosure

With many of the perks of the Visa Classic Credit Card, the Visa Gold Credit Card from Bay Federal adds even more to a convenient card accepted around the world at merchants displaying the Visa logo.The warranty manager includes warranty registration, extended warranties, and service agreements, and the Visa Assistance Center help you coordinate medical and legal emergencies away from home!

Visa Gold Plus

No Annual Fee
1% Cash Rebate on Purchases
Low Variable Interest Rates
Lost Luggage Reimbursement
Purchase Security Protection
Auto Rental Insurance
Travel Accident Insurance
Travel and Emergency Assistance
BayREWARDS Program
And More!

Visa Gold Plus BayREWARDS

VISA Gold Plus Benefits Disclosure

No annual fee AND, the Visa Gold Plus Credit Card pays you back. With all the benefits of a Visa Gold Credit Card, plus an annual 1% cash rebate* on all purchases, this is one of our most popular cards!

To redeem your BayREWARDS points, login to your Bay Federal Online Banking account, choose “BayRewards” from the main menu, then select your card from the list provided.

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Visa Signature

Visa Assistance Center
Extended Warranty Protection
Purchase Security Protection
Lost Luggage Reimbursement
Auto Rental Insurance
Travel Accident Insurance
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption
Cellular Phone Protection
Roadside Dispatch
Ride Share Protection
Emergency Medical and Dental Coverage
Emergency Evacuation
Trip Delay Reimbursement
Return Protection
Luxury Hotel Collection
Concierge
Perks for Travel, Entertainment, Shopping and more.
BayREWARDS Program
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And More!

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VISA Signature Card Benefits - Quick Reference

VISA Signature Benefits Disclosure

Note: There is an Annual Fee on Visa Signature Credit Card accounts (however, the Annual Fee will be waived in the first year).

To redeem your BayREWARDS points, login to your Bay Federal Online Banking account, choose “BayRewards” from the main menu, then select your card from the list provided.

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View Rates Apply Now

Bay Federal Credit Union believes in making a real difference in the financial lives of our members, and our line of Visa Credit Cards are designed with that in mind. In addition to the benefits listed above, our cards have a grace period of at least 21 days before interest is charged on purchases. For full disclosures and important information, please read the Account Agreement and Disclosure associated with your card type.

Bay Federal is also committed to making online shopping safe for our members through Visa Secure, the safe way to add additional protection to your online shopping experience when you use your Visa credit or debit card. It is convenient, easy to activate, and the service is entirely free.

Visa Secure includes:

Access to special offers and discounts from hundreds of participating online merchants.
No additional fees for Visa Secure protection and it's a free service designed to protect you from fraud.

Jumbo Home Loans

Visa Classic

Visa Gold

Visa Gold Plus

Visa Signature

Visa Secure includes: