The BCU is a personal credit card from BCU. The ongoing APR is 16.65% to 25.65%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. after a 0% intro APR on purchases and balance transfers introductory rate for 12 months. Approval typically requires a credit score of 750 or higher. Signup bonus: $200 cash bonus after purchases totaling at least $1,000 posted within 90 days of account opening (new accounts only; account must be in good standing). Rewards: 2.0% cash back on qualifying net purchases if approved for a $5,000+ credit line (Cash Rewards Visa Signature); 1.5% if approved for less (Cash Rewards Visa Platinum); cash advances, balance transfers and checks do not earn rewards. Loan terms: Revolving credit card; due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; average daily balance (including new purchases). This product reports activity to your personal credit report. EXPERT REFERENCE (Feb 2026): Approved for $55,000 in new unsecured credit plus a car loan refinance with one hard pull. | EXPERT REFERENCE (Feb 2026): Increased existing BCU card from $5K to $10K. | EXPERT REFERENCE (Feb 2026): Opened a second BCU card with a $25K limit. | EXPERT REFERENCE (Feb 2026): Opened a BCU personal line of credit with a $25K limit. | EXPERT REFERENCE (Feb 2026): Refinanced auto loan with BCU.