142 South Algoma Street
Thunder Bay, ON P7B 3B8

Phone: (807) 345-7612
Email: info@baycreditunion.com

baycreditunion.com/

Visa Credit Cards

VISA BENEFITS

Along with the convenience of acceptance nearly everywhere around the world, your Visa card includes a wide range of built-in benefits.

Every VISA card from Bay Credit Union offers Global Customer Service, which includes:

  • Lost/Stolen Card Reporting
  • Emergency Cash Advance
  • Emergency Card Replacement Service

Our cards also inlcude Purchase Protection and Extended Warranty. This provides 90 days purchase protection and double the manufacturer's warranty (maximum 1 year). 

Zero Liability

Shop with complete confidence – online or in stores.

You’re only responsible for purchases you’ve authorized on your Visa account.

Visa Global Services

Enjoy the peace of mind of emergency assistance virtually anytime and anywhere. Visa Global Service helps you with reporting a lost or stolen card, obtaining an emergency card replacement or receiving an emergency cash advance.

  • Lost/Stolen Card Reporting — Lost or stolen credit cards can be a major source of fraud. But you can help protect your account against fraud by promptly reporting the theft or loss of your Visa card.
  • Emergency Card Replacement Services — Having your credit card stolen or lost is inconvenient anytime, but especially when traveling. That’s why we’ll work with you to rush a new card to your location.
  • Emergency Cash Advance — If you need cash advanced to you in an emergency, call and we’ll work with you to arrange a convenient location to pick up the cash, 24 hours a day, 7 days a week.

Canada and U.S.: 1.800.847.2113

International Collect: 1.410.902.8011

 

Verified by Visa®

Online shopping is more popular than ever, and Verified by Visa gives you an extra layer of protection. By registering a password for your Visa card with the Verified by Visa service and shopping online at Verified by Visa enabled merchants, your card can only be used by you to make online purchases. Verified by Visa is available at no cost exclusive to Visa cardholders and helps prevent online fraud before it happens.

Visa payWave®

Breeze through checkout faster with Visa payWave. Simply wave your Visa card in front of a secure reader and you’ll be on your way. No need to swipe. No need to sign. No worries about paying with cash.

Address Verification Services

Visa takes protecting your account even further with Address Verification Services. By matching the address on your account with the address given when making a purchase, Visa works with merchants to cut down on fraud and help protect your account.

Learn more and apply online!

 

Basic Visa Cards

 

Visa Cash Back Card

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Visa Flex Card

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Visa Classic Card

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Annual Fee $0 $40 $30
Additional Card Fee $0 $0 $0
Annual Interest Rate 19.90% Fixed 9.90-18.90% Variable 11.90% Fixed
Rewards 1 pt/$1 DOUBLE at gas stations 1 pt/$1 -
Zero Liability Included Included Included
Mobile Device Insurance Included Included Included
 

Visa Student Card  Learn more>  APPLY>

Annual Fee $0
Additional Card Fee $0
Annual Interest Rate 11.90% Fixed
Rewards -
Zero Liability Included
Mobile Device Insurance Included

Visa Travel Cards

 

Visa Travel Rewards Gold Card

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Visa US Dollar Card

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Annual Fee $99 $50 USD
Additional Card Fee $30 $35 USD
Annual Interest Rate 19.90% Fixed 19.90% Fixed
Rewards

1 pt/ $1

DOUBLE pts for purchases in foreign currencies

1 pt/$1 USD spent
Zero Liability Included Included
Auto Rental Collision/Loss Insurance Maximum 48 Days Maximum 48 Days
Emergency Health Care Coverage
  • Up to $5,000,000
  • Duration of coverage for each trip is established based on the insured's age group:
  • Age 59 and under: 48 Days
  • Age 60 to 64: 23 Days
  • Age 65 to 75: 15 Days
  • Age 76 and up: no coverage
  • Up to $5,000,000
  • Duration of coverage for each trip is established based on the insured's age group:
  • Age 59 and under: 48 Days
  • Age 60 to 64: 23 Days
  • Age 65 to 75: 15 Days
  • Age 76 and up: no coverage
Protection for Grandchildren traveling with you Included -
Trip Cancellation Insurance
  • Cancellation before departure
  • Delayed departure
  • Missed Connection
  • Default of a travel service supplier up to $2,000
  • Cancellation before departure
  • Delayed departure
  • Missed Connection
  • Default of a travel service supplier up to $2,000 CAD
Trip Interruption Insurance Unlimited Unlimited
Lost or Delayed Baggage Coverage
  • Theft or damage: $1,000
  • Late delivery: $500
  • Age 59 and under: 48 days
  • Age 60 to 64: 23 days
  • Age 65 and up: 15 days
  • Theft or damage: $1,000
  • Late delivery: $500
  • Age 59 and under: 48 days
  • Age 60 to 64: 23 days
  • Age 65 and up: 15 days
24/7 Travel Assistance $1,000,000 $1,000,000 CAD

Premium VISA Cards

 

Visa Centra Gold Card

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Visa Infinite Card

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Annual Fee $50 $120
Additional Card Fee $10 $50
Annual Interest Rate 9.90% Fixed 19.90% Fixed
Rewards 1 pt/$1 2 pts/$1
Zero Liability Included Included
Price Protection - Included
Auto Rental Collision/Loss Insurance Maximum 48 Days Maximum 48 Days
Emergency Health Card Coverage -
  • Up to $5,000,000
  • Duration of coverage for each trip is established based on the insured's age group:
  • Age 59 and under: 48 Days
  • Age 60 to 64: 23 Days
  • Age 65 to 75: 15 Days
  • Age 76 and up: no coverage
Trip Cancellation Insurance -
  • Cancellation before departure
  • Delayed Departure
  • Missed Connection
  • Default of a travel service supplier
  • Up to $2,000
Trip Interruption Insurance - Unlimited
Lost or Delayed Baggage Coverage -
  • Theft or damage: $1,000
  • Late delivery: $500
  • Age 59 and under: 48 days
  • Age 60 to 64: 23 days
  • Age 65 and up: 15 days
Common Carrier Accident Protection $125,000 $1,000,000
24/7 Travel Assistance - Included
Additional Benefits -
  • Visa Infinite Concierge
  • Visa Infinite Dining Series
  • Visa Infinite Wine Country Series
  • Visa Infinte Luxury Hotel Collection
  • Visa Infinite Music Series
    • Access to Visa Sponsored Sporting and Entertainment Events
     

The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa. Visa is a trademark of Visa Int. and is used under license.