VISA Credit Cards

picture of womanHUGE Benefits, yet still fits in your wallet

Looking for a quick and easy way to make purchases around town or on the other side of the world?  Baylands offers three types of VISA credit cards.

Current Rates Visa Application

VISA Platinum

  • Low fixed rate of 9.9% APR*
  • Reward Points do not expire; points are redeemable for merchandise, airline tickets, and more. 


  • Low fixed rate of 8.9% APR*

VISA Classic

  • Fixed rate as low as 14.9% APR* up to 16.9% APR*

Other card benefits include:

  • No hidden fee – No annual fee
  • No cash advance fee
  • 25 day payment grace period for purchases only
  • 90 day product protection
  • Identity Theft Insurance and Victim Assistance
  • Travel Reservation Services
  • Travel and Emergency Assistance
  • Warranty Management Services
  • Annual Statement
  • Added safety of Verified by VISA®

verified by visa logo

*APR - Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit  worthiness and qualifications. All loans are subject to approval. Foreign Transaction fee of 1% of the transaction  amount may apply; see Visa credit agreement for more information. Membership eligibility required. A Prime Share account (membership) with a minimum deposit is required upon loan approval. See Member Services for more  details.