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Credit Cards

At BCU, we believe in using credit wisely. That's why we offer Visa Classic, Gold and Platinum credit cards at extremely affordable rates, with no annual fees, plus you can earn rewards! And you can - 

  • View your card activity through online and mobile banking
  • Spend securely with CardValet®, the mobile app that lets you turn your cards on and off, receive alerts whenever your cards are used, and establish transaction controls for dollar amount limits, merchant categories, transaction types and geographic locations.


Visa Platinum

BCU is excited to announce a new credit card option for members looking to save money on purchases, balance transfers and cash advances. Plus you can -

  • Earn rewards redeemable for airfare, merchandise, cash rebates and more! Earn 1 point per $1 purchased - and even more points through special in-store and online offers at a huge variety of retailers. Redeem your points to purchase gift cards, merchandise, travel items (i.e. cruises, airline tickets, hotels, car rentals), concert, theater or sporting event tickets – even the Green Bay Packers!

Learn more about our Visa Platinum uChoose Rewards® program.


Visa Classic

Looking for a no-frills card to help you establish credit? Then Visa Classic is for you!


Visa Gold

Benefit from the spending power of Visa while enjoying an automatic cash rebate. We keep track of all the points you earn, and every year in November, your points will be converted to dollars, and a credit will be applied to your credit card account.

Learn more about our Visa Gold Cash Back uChoose Rewards®program.


Applying is Easy

Whether you’re looking to save money by consolidating debt from higher-rate credit cards or advance cash for an upcoming purchase, BCU’s credit card options can help you make it happen.

Just complete our quick and easy credit card application and return it to our office or call us at 715-359-7012 to apply.


The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of 9-8-2023. You can contact us toll free at 855-359-7012 to inquire if any changes occurred since the effective date.

Annual Percentage Rate (APR) for Purchases, Cash Advances,
& Balance Transfers
This APR will vary with the market based on the Prime Rate.
This APR will vary with the market based on the Prime Rate.
This APR will vary with the market based on the Prime Rate.
Paying InterestYour due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. For Cash Advances and Balance Transfers, we will begin charging interest on the date the Cash Advance or Balance Transfer is posted to your account.
Minimum Interest ChargeNone
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Fees to Open or Maintain your Account
Annual Fee:None
Application Fee:None
Transaction Fees
Balance Transfer:None
Cash Advance:None
Foreign Transaction:2% of each transaction in U.S. dollars if the transaction involves a currency conversion
2% of each transaction in U.S. dollars if the transaction does not involve a currency conversion
Penalty Fees
Late Payment:Up to $25.00 if your payment is late 10 days or more
Over-the-Credit Limit:None
Returned Payment:Up to $25.00 if your payment is returned for any reason
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Other Fees: In addition to the fees disclosed above, the following fees may be imposed:
Statement Copy Fee: $10.00
Rush Fee: $35.00
Emergency Replacement Fee: $150.00
Card Replacement Fee: $10.00