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. Signup bonus: $250 cash back (25,000 bonus points) after $2,500 in net retail purchases within 90 days of account opening. Rewards: 3% cash back on grocery and drug stores; 2% on gas and EV charging; 2% on streaming; 1% on all other purchases.