Credit Cards

Not all credit cards are alike! You will be pleasantly surprised with rates and perks that come with a Barksdale Federal VISA Credit Card.

Visa 1.99 Platinum

Our Visa 1.99 Platinum credit card is perfect for just about anyone who is interested in getting a credit card. Our 1.99% introductory APR1 for 12 months makes this card hard to beat. Transfer your high interest credit card balance(s) to BFCU for FREE to pay off debt more quickly. Not to mention, you'll earn rewards on everyday purchases, redeemable for gift cards, travel, merchandise and more!

What will happen after the 12 month introductory period?
If you have a Visa Platinum Secured credit card, your rate will be raised to 7.9% APR**.  If you have an unsecured Visa Platinum credit card, your rate will be raised to 9.9% APR** or 12.9% APR** based on credit. You'll continue to earn rewards on everyday purchases, and you'll still have the opportunity to transfer other credit card balances to your Visa Platinum credit card for free.

Rates & Fees:
Visa Platinum Share Secured with Rewards & Balance Transfer Annual Percentage Rate 7.9%**
Visa Platinum Preferred w/Rewards & Balance Transfer Annual Percentage Rate 9.9%**
Visa Platinum w/Rewards & Balance Transfer Annual Percentage Rate 12.9%**
Annual Fee None
Minimum Finance Charge None
Cash-Advance Fee None
Balance Transfer Fee None
Grace Period 25 days when paid in full by next statement date.
Card Replacement Fee $5.00
Foreign Transaction Fee 1% of transaction amount on all multiple currency.
Foreign Transaction Fee 0.80% of transaction amount on all single currency.
Late Fee $10.00***
Returned Check/NSF Fee $24.00
Statement Copy Fee $3.00
Ticket Copy Fee $10.00

* Eligibility for Platinum or Share Secured Visa credit card is determined by your credit information.  All products are subject to credit approval.

**The Annual Percentage Rate is based on certain credit-worthiness criteria. "Subject to change"

***If ten (10) or more days late.

1APR=Annual Percentage Rate. Introductory rate good for 12 months on all purchases, balance transfers and cash advances. After that, the rate will convert to regular VISA Platinum card rates, currently 7.9% - 12.9%. Based on credit worthiness. To be eligible for a VISA 1.99 card, members cannot currently have or be joint on a Barksdale Federal VISA credit card. Balances on other Barksdale Federal loan accounts may not be transferred to your VISA 1.99 Platinum card. Not every member will qualify. Some restrictions apply. Eligibility for Platinum or Share Secured Visa credit card is determined by your credit information. All products are subject to credit approval.

The information about the costs of the cards described above last updated 01/2013. This information may have changed after that date. To find out what may have changed, please contact Card Services at 800-647-2328, ext. 8200. 
Verified by Visa enrollment is no longer required on Barksdale Federal Credit Union debit or credit cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption.  OTP (one time passcode) will be sent to you only if there is a request for alternative authentication of a transaction.

Visa Platinum

Our Visa Platinum credit card is perfect for individuals who want a low interest credit card. Transfer your higher interest credit card balance(s) to BFCU for FREE to pay them off debt more quickly. You'll also earn rewards on everyday purchases, redeemable for gift cards, travel, merchandise and more!

Rates & Fees:
Visa Platinum Preferred w/Rewards & Balance Transfer Annual Percentage Rate 9.9%**
Visa Platinum w/Rewards & Balance Transfer Annual Percentage Rate 12.9%**
Annual Fee None
Minimum Finance Charge None
Cash-Advance Fee None
Balance Transfer Fee None
Grace Period 25 days when paid in full by next statement date.
Card Replacement Fee $5.00
Foreign Transaction Fee 1% of transaction amount on all multiple currency.
Foreign Transaction Fee 0.80% of transaction amount on all single currency.
Late Fee $10.00***
Returned Check/NSF Fee $24.00
Statement Copy Fee $3.00
Ticket Copy Fee $10.00

* Eligibility for Platinum Visa credit card is determined by your credit information. All products are subject to credit approval.

**The Annual Percentage Rate is based on certain credit-worthiness criteria. "Subject to change"

***If ten (10) or more days late.

The information about the costs of the cards described above last updated 01/2013. This information may have changed after that date. To find out what may have changed, please contact Card Services at 800-647-2328, ext. 8200. Verified by Visa enrollment is no longer required on Barksdale Federal Credit Union debit or credit cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption.  OTP (one time passcode) will be sent to you only if there is a request for alternative authentication of a transaction.

Visa Platinum Secured

Our Visa Platinum Secured credit card is perfect for individuals with little or no credit. Whether you're just starting to build credit or trying to repair bad credit, this card is a great way to achieve your goal. This card has a low interest rate and no annual fee to help when you need it most.

How it works:

If you're approved for this card, you'll place at least $500 into your savings account. We'll put those funds on hold and issue you a Visa Platinum Secured Credit Card. You can use this card for everyday purchases up to the amount you've secured in your savings account and make monthly payments towards the balance. This process of charging your card and making payments is called revolving credit which is a great way to establish and raise your credit score.

 

Rates & Fees:
Visa Platinum Share Secured with Rewards & Balance Transfer Annual Percentage Rate 7.9%**
Annual Fee None
Minimum Finance Charge None
Cash-Advance Fee None
Balance Transfer Fee None
Grace Period 25 days when paid in full by next statement date.
Card Replacement Fee $5.00
Foreign Transaction Fee 1% of transaction amount on all multiple currency.
Foreign Transaction Fee 0.80% of transaction amount on all single currency.
Late Fee $10.00***
Returned Check/NSF Fee $24.00
Statement Copy Fee $3.00
Ticket Copy Fee $10.00

* Eligibility for Share Secured Visa credit card is determined by your credit information. All products are subject to credit approval.

**The Annual Percentage Rate is based on certain credit-worthiness criteria. "Subject to change"

***If ten (10) or more days late.

The information about the costs of the cards described above last updated 01/2013. This information may have changed after that date. To find out what may have changed, please contact Card Services at 800-647-2328, ext. 8200. Verified by Visa enrollment is no longer required on Barksdale Federal Credit Union debit or credit cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption.  OTP (one time passcode) will be sent to you only if there is a request for alternative authentication of a transaction.

Card Controls

Easily manage your cards on the go with BFCU Card Controls. You decide when, how, and where your BFCU Visa Credit Card is used! Set transaction restrictions, set alerts, and turn your card on and off, all in real-time using BFCU’s Mobile app and Online Banking.

Features & Benefits

  • Peace of Mind
    Can’t find your card?  Turn your card off while you look and turn it back on when you find it. Get details of credit card transactions in real-time.

  • Money Management
    Set spending limits to help keep your spending in check.

  • Customize Your Card Preferences
    Block international transactions. Set permissions for the types of purchases you want to allow.
    FAQs