The Bay Federal Visa® Credit Card is a personal credit card from Bay Federal Visa® Credit Card. 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: 3x on dining, 2x on travel, and 1x on all other purchases.. Cash back: 1% Cash Back on all purchases. Typical credit limit: Up to $1,000.