The Bay Federal Credit Union Visa Platinum Fair Credit is a personal credit card from Bay Federal Credit Union Visa Platinum. The annual fee is No Annual Fee.. The ongoing APR is 15.49% Variable Rate after a 0% Intro APR introductory rate for 15 months. Approval typically requires a credit score of Good to Excellent Credit or higher. Signup bonus: 25,000 Bonus Points when you spend $2,500 in the first 90 days.. 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.