Lower Rate
Credit Card
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Simplify your finances and save with a low rate.
Card Benefits
0% APR
on purchases and balance transfers for the first 12 months.1
Variable APR after that.2
Lower Monthly Payments
Minimize monthly payments on card balances.
Enjoy Ongoing Savings
with our lowest interest rate card.
Benefits for All BCU Cards
No Annual Fee
There's NO annual fee on any of our credit cards.
No Penalty APR
Your APR will not increase due to a single late or missed payment.
Tap to Pay
Contactless payments are secure, and faster than inserting or swiping your card.
FREE Credit Monitoring
With SavvyMoney®, track your credit score and receive notifications regarding changes to your credit report.
Online Balance Transfer
Easily transfer higher-rate balances to your new account.
Special Offers
As a cardholder, you'll enjoy opportunities throughout the year for double points, rebates, special promotional rate and more.
Digital Account Management Features
Add your card to your digital wallet and manage alerts, preferences and controls.
Check Current Credit Card Pricing and Terms
Cardholder Resources
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Disclosure
Simply Visa® UNITED STATES
Check Current Pricing and Terms
1APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. At day 366, 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 owed to the Credit Union. There is a transaction fee of 3% of the amount of each balance transfer. All existing payment terms apply.
2The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 8.00% and 18.90% based on your 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 33.00%.
Simply Visa® PUERTO RICO
Check Current Pricing and Terms
1APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. At day 366, 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 owed to the Credit Union. There is a transaction fee of 3% of the amount of each balance transfer. All existing payment terms apply.
2The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 5.25% and 14.65% based on your 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%.