Pacific Points Visa Signature®
Use reward points your way! Redeem for cash back, gift cards, online shopping, travel, and more!
Unlock Limitless Rewards with the Pacific Points Visa Signature® Card
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The Pacific Points Visa Signature® Credit Card from Bay Federal Credit Union is the perfect companion for travelers and food lovers alike. With unlimited points and a generous introductory offer, this card makes it easy to earn rewards while enjoying the flexibility and security you need. Designed for individuals with good to excellent credit, it’s your gateway to unforgettable experiences and seamless financial management.
Unlimited Points:1
3x Points
on dining purchases
2x Points
on travel, including flights, hotels, and transportation
1x Point
on all other purchases
Benefits You'll Enjoy
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No Annual Fee: Access all these perks without paying an annual charge.
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Zero Liability Protection:* Feel secure knowing you won’t be held responsible for unauthorized transactions.
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No International Transaction Fees: Use your card anywhere in the world without extra costs.
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Tap-and-Go Convenience: Pay quickly and securely with contactless technology or link to Apple Pay, Google Pay, or Samsung Pay.
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Competitive APR: With a competitive, variable APR, you'll save on purchases, balance transfers, and cash advances.
New Cardholder Offer:
New cardholders can enjoy a 0% introductory APR for 15 statement cycles on all purchases! Plus, earn 25,000 Bonus Points2 when you spend $2,500 in the first 90 days.
Redeem points for travel, dining, merchandise, gift cards, or cash back – the choice is yours!
Local Support, Global Access
As a Bay Federal Credit Union member, you have 24/7 access to manage your account through Mobile and Online Banking and personalized support from a team based in Santa Cruz and Monterey County.
Membership is open to those who live, work, worship, or attend school in Santa Cruz, San Benito, or Monterey County. Join a financial institution that prioritizes your success while offering the tools you need to thrive—locally and beyond.
Additional Info & Disclosures
*Visa's Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify Bay Federal Credit Union immediately of any unauthorized use.
1 Points earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, returns, and adjustments) charged to the rewards card during each day by the cardholder. Certain restrictions, limitations, and exclusions apply. Refer to full program terms and conditions.
2 To qualify for and receive 25,000 Bonus Points, you must make net retail purchase transactions totaling at least $2,500 (i.e., purchases less credits, returns, and adjustments) that post to your account within 90 days of the account open date. Certain restrictions, limitations, and exclusions apply.