Visa® Classic
The best card to help you build or rebuild your credit responsibly, with no annual fees!
Take Control of Your Credit with the Visa® Classic Credit Card
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The Visa® Classic Credit Card from Bay Federal Credit Union is perfect for building or rebuilding your credit while enjoying a host of benefits. With no annual fee and a competitive variable Annual Percentage Rate (APR), it’s a straightforward, reliable tool to help you manage your finances responsibly. Whether for everyday purchases or international travel, this card is designed with your needs in mind.
Simple, Smart, and Packed with Benefits
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No Annual Fee: Enjoy all the benefits of a credit card without paying extra.
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Competitive APR: With a competitive, variable APR, you’ll save money on purchases, balance transfers, and cash advances.
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Zero Liability Protection: Feel secure knowing you’re protected from unauthorized transactions.*
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No International Transaction Fees: Use your card abroad without worrying about extra charges.
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Contactless & Digital Wallet Ready: Tap to pay or connect to Apple Pay, Google Pay, or Samsung Pay for seamless shopping.
Local Support, Global Access
As a Bay Federal Credit Union member, you have 24/7 access to manage your account through Mobile and Online Banking and personalized support from a team based in Santa Cruz and Monterey County.
Membership is open to those who live, work, worship, or attend school in Santa Cruz, San Benito, or Monterey County. Join a financial institution that prioritizes your success while offering the tools you need to thrive—locally and beyond.
Additional Info & Disclosures
*Visa's Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify Bay Federal Credit Union immediately of any unauthorized use.