The Bay Federal Credit Union Fair Credit 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 15.74% variable after a 0% intro APR on purchases for 15 monthly billing cycles introductory rate for 15 months. Approval typically requires a credit score of Good to Excellent Credit or higher. Signup bonus: 25,000 Bonus Points for net retail purchases of at least $2,500 posted within 90 days of the account open date. Rewards: Unlimited Points 1 : 3x on dining, 2x on travel, and 1x on all other purchases.. Cash back: 1%. Typical credit limit: $500-$25,000. This product reports activity to your personal credit report.