VISA Credit Cards
Use your Platinum VISA® or Classic VISA® credit card anywhere VISA® is accepted. Many people choose to carry credit cards instead of cash for enhanced security and convenience. You'll receive a monthly itemized statement to help you keep track of spending, in addition to a number of other benefits:
- Low Annual Percentage Rate (APR)
- No Annual Fees
- Worldwide Cash Availability
- Platinum VISA® Reward Program with merchandise and travel discounts
- Visa App to help you manage your VISA credit card account
VISA Credit Cards for Police and Firefighters
Massachusetts area police and firefighters may benefit from using a VISA credit card with the CURewards program. The Police and Fire Credit Card from BFCU provides access to travel and merchandise rewards to help you save money on the experiences and things you want most. Redeem your rewards for discounts on cruises, hotel stays and airline tickets. Or, gain access to the Platinum VISA® Reward Program marketplace, where you can use your rewards to purchase housewares, electronics, toys, or health and fitness equipment.
How does Visa's Fraud Monitoring program work?
The Visa Credit Card may not work in certain countries due to a high number of fraud occurrences. Contact BFCU for a list of countries where your VISA card may not work before traveling.
The VISA Classic and VISA Platinum credit cards come with automatic fraud detection and prevention to help ensure your account's security. If you experience a fraudulent charge while at home or traveling, you typically have zero liability on unauthorized purchases when you report those charges right away.
Do I need to contact BFCU before traveling outside the country?
Yes, it's wise to alert us to your travel plans. You can set travel notifications through the VISA app or call us directly at (617) 288-2420.
How do I keep track of my purchases?
You'll receive monthly statements with details about each purchase you make with your VISA Classic or VISA Platinum credit card.
Does BFCU run a credit check for a VISA Classic or VISA Platinum credit card?
Yes, part of your application to receive a VISA Classic or VISA Platinum card involves authorizing BFCU to check your credit. There's more to you than your credit score, however. With BFCU, your employment history, income, and history of making payments on time all help support our credit decisions.
Can I get a copy of my credit reports before I apply for a credit card?
Yes. It's wise to look closely at each of your three credit reports from Experian, Equifax and TransUnion at least once each year. Federal law dictates that you have the legal right to see your complete credit file from each of the three credit bureaus once during each 12-month period. You can access your free credit reports by visiting www.annualcreditreport.com.
What other types of loans and credit products does BFCU offer?
BFCU members have access to any type of loan or credit they may need, depending on their creditworthiness and ability to repay the loan. With BFCU, members can access our real estate loans, including fixed and adjustable-rate mortgages and mortgage refinance options. BFCU is dedicated to supporting Boston firefighters, EMTs and members of the police force with the tools they need to become financially successful.
BFCU education loan options include elementary and high school tuition loans, college tuition loans, and professional education lines of credit to help you grow in your profession.
Members can also access our wide variety of consumer loans, including auto and motorcycle loans with terms up to 72 months and an APR as low as 2.49%.
If you need a personal loan, you can choose from our vacation loans, line of credit and unsecured personal loans. We even have a holiday loan program designed to help Boston area police, firefighters and EMTs budget for holiday gift-giving and travel.
How can I become a BFCU member?
BFCU membership is open to employees and retirees (including family members) of the Boston Fire Department, Boston Police Department, Boston EMS, Boston School Police, Massachusetts State Police, Boston Firefighters Credit Union, Boston Firefighters Local 718, Massachusetts Fire Departments whose members comprise the Professional Fire Fighters of Massachusetts (PFFM), Suffolk County Sheriff’s Department and Police Departments within a 25-mile radius of Boston.
To become a BGCU member, stop in at any BFCU branch to fill out an application.
Can I use my BFCU VISA Classic or VISA Platinum credit card to get cash out of an ATM?
Yes. BFCU VISA Classic or VISA Platinum cards provide account owners with the ability to withdraw cash from an ATM machine, using the four-digit pin you choose when you set up the account.
Apply for a VISA card at your local BFCU branch or fill out our online application, today.