Need to FREE up some money for the Holidays? We can help!
Enjoy 0% apr* on balance transfers for 15 months with a Bay Area VISA.
Now is the time to switch to a smarter card.
- No over limit fee
- No inactivity fee
- No annual fee
*Annual percentage rate A fee of 3% applies for each balance transferred. Rates and offers are current as of 10/01/23 and are subject to change. Subject to credit approval. Offer expires 2/29/2024
Bay Area VISA Classic
| Rate or Fee Type | Rate or Fee Amount |
|---|---|
| Annual percentage rate (APR*) for purchases and cash advances | 12.95% |
| Other APRs: 60 Days Late: | 18.95% |
| Grace period for repayment of balances for purchase | 25 Days |
| Annual Fee | None |
| Minimum finance charge | None |
| Transaction fees • Foreign Transaction Fee • Balance Transfer Fee | 1.00% of each multiple currency transaction in U.S. dollars 0.08% of each single currency transaction in U.S. dollars Either $5 or 3% of the amount of each transfer, whichever is greater |
| Penalty Fees • Late payment fee*** (5 or more days) • Returned Payment Fee | $30.00 $30.00 |
| Over-the-limit fee | None |
**Annual percentage rate
***Late pay is considered 5 or more days late. After 6 months of consecutive on-time payments we will initiate an account review.