Download our Visa Credit Card Application and Solicitation Disclosure. Rates effective as of 1/1/2024. Fees may reduce earnings. Rates are subject to change without notice.
- Available to qualifying Bangor Federal members
- No annual fees1
- Local, in-house service
- Free Card Control through our mobile app
- Convenient, 24/7 account access through online, mobile, and telephone banking
- Easily replaced if lost or stolen
We offer two types of Visa credit cards. Choose yours today!
Our Best Rewards
- 10.90% APR*
- Get 5,000 bonus points just for opening a new card!
Apply Online - it's fast, secure and 100% local!
*APR=Annual Percentage Rate. Subject to credit approval. Membership requirements must be met to qualify. 10.90% APR Our Best Rewards. Rate is current as of 01/03/23, Foreign Transaction Fee 1.00% of each transaction in U.S. dollars. Late Payment Fee up to $25.00. Full Visa credit card promotion and application and solicitation disclosures can be viewed at bangorfederal.com/loans-credit/visa-credit -cards.html. Program rates, terms, and conditions are subject to change without notice. Bangor Federal Credit Union - Federally Insured by NCUA.
Our Best Rewards® program helps you accumulate points for everyday spending. With Our Best Rewards, you earn points that can be used for travel, gift cards, gift certificates, charitable contributions or cash.
Our Best Rewards gives you more options because it’s Bangor Federal’s rewards program. Rewards are not tied to specific airlines or one company’s merchandise. There’s no need to visit special Web sites or make purchases at specified merchants to earn points. Simply use your Our Best Rewards Visa Credit Card and watch the points add up. When you have enough points for the reward of your choice, go to Online Banking, click on the Rewards tab, and submit your redemption request!
For more information about Our Best Rewards, go to Online Banking, and click on the Rewards tab. You can also call 855.854.5493 to speak with a Rewards Representative Monday through Friday 9 a.m. to 9 p.m.
Travel Rewards
Your travel options are virtually limitless. Use your points to head for the sun, surf, slopes, or your favorite city’s streets.
Since you earn Our Best Rewards points, not air miles, you can travel on most major airlines with fewer restrictions. For detailed descriptions of the travel rewards and how points may be redeemed for travel, log into your Online Banking, click on the Rewards tab, and search travel. You can also call 855.854.5493 and ask to speak with a travel agent Monday through Friday 9 a.m. to 9 p.m.
Although there are no blackout dates with Our Best Rewards, we recommend that you book early for holiday travel.
How to Redeem for Travel:
When you are ready to redeem your Rewards points for Travel, go to Online Banking, click on the Rewards tab, direct to the online booking tool, or call the Redemption Center at 855.854.5493 and ask to speak to a travel agent. When your redemption is complete, your point balance will be verified, updated, and your itinerary arranged.
Gift Certificates and Gift Cards
If you want to redeem your Rewards points for a gift certificate or gift card, go to Online Banking, click on the Rewards tab and redeem your Rewards points to be used at participating merchants. Or call the Redemption center at 855.854.5493 from 9 a.m. to 9 p.m. Eastern Time, Monday through Friday. Your point balance will be verified and your requested gift cards/certificates will be mailed to you.
Choose among restaurants, travel and leisure, gasoline, and top retailers of electronics, apparel, sporting goods, music, movies, and more.
Enjoy the flexibility of shopping online, visiting your favorite retail stores, or taking a trip with your Our Best Rewards points!
Cash for Points
Redeem your Our Best Rewards points for up to 1% Cash Back! Cash Rewards can be deposited to your Bangor Federal savings or checking account. Points can be redeemed for cash in the following increments.
| Cash Back Redemption Amount | Points Needed to Cash Out |
|---|---|
|
$25 |
2,718 |
|
$50 |
5,435 |
|
$75 |
8,153 |
|
$100 |
10,870 |
|
$125 |
13,587 |
|
$150 |
16,305 |
|
$175 |
19,022 |
|
$200 |
21,740 |
|
$225 |
24,457 |
|
$250 |
27,174 |
How to Redeem for Cash Rewards:
Go to the Rewards link in your Online Banking or call the redemption center toll-free at 855.854.5493 from 9 a.m. to 9 p.m., Monday through Friday. Select the cash back amount that you want provided you have the sufficient point balance, enter your savings or checking account information, and click complete. Your point balance will be verified, and your requested cash reward will be submitted to your account within 2 to 5 business days.
Charitable Donations
The Rewards points you accumulate can be donated to over 10,000 charities nationwide.
How to Donate a Charitable Contribution:
If you would like to donate your points to a charity, log into Online Banking and click on the Rewards tab. Once within the portal, select Charitable Contributions and select the charity of your choice.
Our Best Rate
- Low rate of 8.90% APR1
If you normally carry a balance on your credit card, the Bangor Federal Our Best Rate Visa credit card may be the option for you! Apply Online - it's fast, secure and 100% local!
1 APR = Annual Percentage Rate. Subject to credit approval. Membership requirements must be met to qualify. 8.90% APR Our Best Rate. Rate is current as of 1/3/2023. Foreign Transaction fee 1.00% of each transaction in U.S. dollars. Late payment fee up to $25.00. Full Visa credit card promotion and application and solicitation disclosures can be viewed at bangorfederal.com/loans-credit/visa-credit -cards.html. Program rates, terms, and conditions are subject to change without notice. Bangor Federal Credit Union - Federally Insured by NCUA.
Youth Accounts
It’s never too early to start your little ones down the path to financial literacy. With accounts for children and teens alike, let Bangor Federal help your kids navigate the banking world.
