Add some breathing room to your shopping budget with Visa®. Choose from our lowest rate card or rewards card.
Download our Visa Credit Card Application and Solicitation Disclosure. Rates effective as of 01/01/2020. Fees may reduce earnings. Rates are subject to change without notice.
- Shopping Flexibility
- Builds Credit
- No Annual Fees1
- Local, In-House Service
- Available to qualifying Bangor Federal members
- No annual fees1
- Local, in-house service
- Free text messaging monitoring from smsGuardian®
- 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!
Best Rate Visa Credit Card
Low rate of 8.90% APR1
Best Rewards Visa Credit
Low rate of 10.90% APR1
- Generous rewards program
- Redeem points for gift cards, travel rewards, charitable donations, or CASH!
- Learn more about Best Rewards below
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 877-909-1450 to speak with a Rewards Representative Monday–Friday 9AM to 9PM. Browse Our Best Rewards program rules and details and access the award catalogue.
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, go to Online Banking, click on the Rewards tab, and search travel. Or call 877-909-1450 and ask to speak with a travel agent Monday–Friday 9AM to 9PM.
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, and use the online booking tool. Or call the Redemption Center at 877-909-1450 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 877-909-1450 from 9AM to 9PM 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, loan, or credit card. Points can be redeemed for cash in the following increments.
Cash Back Redemption Amount
Points Needed to Cash Out
How to Redeem for Cash Rewards:
Go to the Rewards link in your Online Banking or call the redemption center toll-free at 877-909-1450 from 9AM to 9PM, Monday through Friday. Your point balance will be verified, and your requested cash reward will be submitted to the credit union for processing.
The Rewards points you accumulate can be donated to either Maine Credit Unions’ Campaign for Ending Hunger or Special Olympics.
How to Donate a Charitable Contribution:
If you would like to donate your points to Ending Hunger or the Special Olympics, go to Online Banking and click on the Rewards tab.
1Foreign Transaction Fee 1.00% of each transaction in U.S. dollars, Late Payment Fee up to $25.00. 8.90% APR for Our Best Rate, 10.9% APR Our Best Rewards, Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, and conditions are subject to change without notice.