The Bay Federal Credit Union is a personal credit card from Bay Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is No Annual Fee. The ongoing APR is Purchase APR: 15.74% Variable Rate (rates effective 09/18/2026; APR will vary with the market based on the Prime Rate) after a 0% Intro APR for 15 statement cycles on all purchases introductory rate. Approval typically requires a credit score of Requires: Good to Excellent Credit or higher. Signup bonus: 0% Intro APR for 15 statement cycles on all purchases AND $250 Bonus Cash Back when you spend $2,500 in the first 90 days. Rewards: Unlimited Cash Back: 3% on grocery and drug store purchases, 2% on gas and EV charging, 2% on streaming services, and 1% on all other purchases.