¹Before we approve you for a credit card, we will review your credit and the information you provide with your application to confirm that you continue to meet the predetermined criteria for this offer. Based on this review, you may receive a Visa Signature card, a Visa Platinum card with different benefits, or you may not receive a card. If approved for a Visa Signature card, your credit line will be at least $5,000. If approved for a Visa Platinum card, your credit line will be at least $500.

²APR = Annual Percentage Rate. Rates subject to change. Rates accurate as of 4/1/2024. Offer available on new accounts only. Existing accounts are not eligible. If you qualify, all purchases and balance transfers posted to your account during the first 545 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. At day 546, the APR for any remaining promotional balances will increase to the standard APR for purchases and balance transfers, and all subsequent purchases and balance transfers will receive the standard APR for purchases and balance transfers. Balance Transfers may not be used to pay off or pay down any amount you owe to the Credit Union. All existing payment terms apply. There is a transaction fee of 3% of the amount of each balance transfer during the first 18 months.

³The APR will be based on the prime rate as published in The Wall Street Journal Money section (index) plus a margin between 6.65% and 14.65% based on the cardholder's credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The maximum APR is 18.00%.

⁴* 4% Gas Rebate Terms
Offer only available on new accounts. Offer applies to qualifying net purchase transactions for the first 365 days from the issuance of your new account in select merchant categories. You will earn an additional 2.5% cash back above the standard 1.5% rebate (4% total) for each $1 spent in qualifying net purchases (less returns), up to a limit of $500 in net Gasoline purchases (or maximum $12.50 cash back) per billing cycle. If you exceed $500 in qualifying net purchases during the billing cycle, you will earn the standard 1.5% cash rebate on those purchases. Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code. BCU will determine qualifying purchases for this promotion. Cash advances, balance transfers, fees and finance charges do not qualify for cash back.

* 3% Restaurant Rebate Terms
Offer only available on new accounts. Offer applies to qualifying net purchase transactions for the first 365 days from the issuance of your new account in select merchant categories. You will earn an additional 1.5% cash back above the standard 1.5% rebate (3% total) for each $1 spent in qualifying net purchases (less returns), up to a limit of $500 in net purchases (or maximum $7.50 cash back) per billing cycle. If you exceed $500 in qualifying net purchases during the billing cycle, you will earn the standard 1.5% cash rebate on those purchases. Eligible Merchant Categories include: Caterers, Drinking Places (Alcoholic Beverages) – Eating Places, Restaurants and Fast Food Restaurants. May exclude purchases at restaurants located inside another business (such as hotels, stores, stadiums, grocery stores or warehouse clubs), bakeries, and some third-party dining delivery services. BCU will determine qualifying purchases for this promotion. Cash advances, balance transfers, fees and finance charges do not qualify for cash back.

* 2% Grocery Rebate Terms
Offer only available on new accounts. Offer applies to qualifying net purchase transactions for the first 365 days from the issuance of your new account in select merchant categories. You will earn an additional 0.5% cash back above the standard 1.5% rebate (2% total) for each $1 spent in qualifying net purchases (less returns), up to a limit of $500 in net purchases (or maximum $2.50 cash back) per billing cycle. If you exceed $500 in qualifying net purchases during the billing cycle, you will earn the standard 1.5% cash rebate on those purchases. Eligible Merchant Categories include: Supermarkets, Wholesale/Warehouse Clubs, Meat/Seafood stores, Candy, Nut and Confectionery stores, Dairy stores, Bakeries and Miscellaneous Food/Convenience stores. Excludes purchases at general merchandise/discount superstores. Purchases made at some online supermarkets or with grocery delivery services do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code. Cash advances, balance transfers, fees and finance charges do not qualify for cash back.

1.5% Standard Rebate Terms
You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

Merchant Classification for Rewards Categories
Merchants are assigned a merchant category code ("MCC"), which is determined in accordance with Visa procedures based on the kinds of products and services the merchants primarily sell. BCU does not control the assignment of these codes and is not responsible for the codes used by merchants. When you use your credit card account to make a purchase, we're provided an MCC for that purchase. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn't grouped into that category as recognized by BCU, your purchase amount will not be included in the spend for that billing cycle. Please also note - purchases made through mobile/wireless technology may not be included in the anticipated category depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine in which category purchases are placed.

⁵You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.