Blue Diamond Visa Signature®Bellco Credit Union · state credit union, CO · NCUA 68437

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website

Open the document Download JSONAdd to compare

Purchase APR

15.25%–21%

variable

Balance transfer

0% for 12 mo

then 15.25%–21%

Cash advance APR

—

Annual fee

No annual fee.

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	15.25%–21% variableBELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“15.25%”BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
APR for balance transfersintroductory rate first
Introductory, 12 months	0%BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“0% introductory APR for the first 12 months”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
After	15.25%–21% variableBELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“15.25%”BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	No annual fee.BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No annual fee.”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Opening conditions	Membership eligibility required.BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Membership eligibility required.”BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
APR qualificationsBalance transfer · Introductory	0% introductory APR for the first 12 monthsBELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“0% introductory APR for the first 12 months”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsBalance transfer · Regular	variable APR thereafter. BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“variable APR thereafter.”BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
APR qualificationsPurchase · Regular	variable APR BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“variable APR”BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Cash back	2% cash back. Payment timing is not disclosed. Unlimited 2% Cash Back* on qualifying Purchases.*** BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Unlimited 2% Cash Back* on qualifying Purchases.***”BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Cashback qualificationsCash back	2.0% of every $1 of Purchases minus credits, returns, and adjustments (“Net Purchase Amount”). Cash Back Rewards are calculated by rounding the Net Purchase Amount to the closest dollar on the last day of the month. Cash Back Rewards for a month shall be added to the Rewards balance on the first day of the next calendar month and can be redeemed as a one-time, monthly, quarterly or annual payment in the form of a statement credit or direct deposit into a Bellco checking or savings account. The minimum redemption amount is $25. Members can earn additional Cash Back from participating merchants for eligible Purchases. BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“2.0% of every $1 of Purchases minus credits, returns, and adjustments (“Net Purchase Amount”). Cash Back Rewards are calculated by rounding the Net Purchase Amount to the closest dollar on the last day of the month. Cash Back Rewards for a month shall be added to the Rewards balance on the first day of the next calendar month and can be redeemed as a one-time, monthly, quarterly or annual payment…”BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Cash back	2% cash back. Payment timing is not disclosed. Earn unlimited 2% Cash BackBELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn unlimited 2% Cash Back”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Cashback qualificationsCash back	2.0% of every $1 of Purchases minus credits, returns, and adjustments (“Net Purchase Amount”). Cash Back Rewards are calculated by rounding the Net Purchase Amount to the closest dollar on the last day of the month. Cash Back Rewards for a month shall be added to the Rewards balance on the first day of the next calendar month and can be redeemed as a one-time, monthly, quarterly or annual payment in the form of a statement credit or direct deposit into a Bellco checking or savings account. The minimum redemption amount is $25. Members can earn additional Cash Back from participating merchants for eligible Purchases. BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“2.0% of every $1 of Purchases minus credits, returns, and adjustments (“Net Purchase Amount”). Cash Back Rewards are calculated by rounding the Net Purchase Amount to the closest dollar on the last day of the month. Cash Back Rewards for a month shall be added to the Rewards balance on the first day of the next calendar month and can be redeemed as a one-time, monthly, quarterly or annual payment…”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Cash signup bonus	$200 cash award. After $2,000 in qualifying purchases. Purchases must qualify within 90 days of account opening. Payment timing is not disclosed. Earn $200 Bonus Cash Back after you spend $2000 in Purchases within the first 90 days of account opening. Bonus Cash Back will be added to your Rewards balance within 8 weeks from the end of the 90-day promotion. To be eligible to redeem Cash Back Rewards, the credit card account must be open and in good standing at the time of the redemption. Cash Back Rewards will expire on the last day of the month, 3 years after the date the Cash Back Rewards were added to your account. Full Program details can be found at BellcoBlueDiamond.com. “Purchases” are defined as any transaction paid with a card or card credentials to a merchant by a cardholder for goods or services either at the Point of Sale (POS) or online (CNP). Some exclusions apply. Please review your rewards program terms and conditions for a list of exclusions.BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn $200 Bonus Cash Back after you spend $2000 in Purchases within the first 90 days of account opening. Bonus Cash Back will be added to your Rewards balance within 8 weeks from the end of the 90-day promotion. To be eligible to redeem Cash Back Rewards, the credit card account must be open and in good standing at the time of the redemption. Cash Back Rewards will expire on the last day of the …”BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Cash signup bonus	$200 cash award. After $2,000 in qualifying purchases. Purchases must qualify within 90 days of account opening. Payment timing is not disclosed. $200 Bonus Cash Back with $2,000 in Purchases within 90 days of account opening* BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Earn $200 Bonus Cash Back after you spend $2000 in Purchases within the first 90 days of account opening. Bonus Cash Back will be added to your Rewards balance within 8 weeks from the end of the 90-day promotion. To be eligible to redeem Cash Back Rewards, the credit card account must be open and in good standing at the time of the redemption. Cash Back Rewards will expire on the last day of the …”BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Cashback qualificationsCash signup bonus	Earn $200 Bonus Cash Back after you spend $2000 in Purchases within the first 90 days of account opening. Bonus Cash Back will be added to your Rewards balance within 8 weeks from the end of the 90-day promotion. To be eligible to redeem Cash Back Rewards, the credit card account must be open and in good standing at the time of the redemption. Cash Back Rewards will expire on the last day of the month, 3 years after the date the Cash Back Rewards were added to your account. Full Program details can be found at BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Earn $200 Bonus Cash Back after you spend $2000 in Purchases within the first 90 days of account opening. Bonus Cash Back will be added to your Rewards balance within 8 weeks from the end of the 90-day promotion. To be eligible to redeem Cash Back Rewards, the credit card account must be open and in good standing at the time of the redemption. Cash Back Rewards will expire on the last day of the …”BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website

BELLCO VISA® CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSURE PROVISIONSpage 1 of 4

BELLCO VISA® CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSURE PROVISIONS

Notice: Read and retain this copy of your Credit Card Agreement and Disclosure Statement for future reference.

Credit Limit:

Application Number:

Agreement Date:

This Agreement and Disclosure Statement ('Agreement') between Bellco Credit Union ('we', 'our', or 'us') and you covers your , Visa Platinum, Colorado Rewards Visa Platinum , Blue Diamond Visa Signature account(s) (the 'Account') and any duplicate, renewed, or substituted Card (the 'Card'). This Agreement also governs the issuance and use of Convenience Checks, Balance Transfers, and Cash Advances. In this Agreement, the words 'you' and 'your' mean the individual who applied for the Account by completing an Account application, and all individuals to whom we issue Cards at your request, (collectively, the 'Authorized Users'). You and we are sometimes collectively called the 'Parties' and individually a 'Party'. By applying for the Card or by signing or using the Card, you have agreed to be bound by the terms of this Agreement.

CONSENSUAL SECURITY INTEREST: You agree to give us a security interest in any and all funds on deposit in accounts in which you have an ownership interest, both now and in the future, with the exception of retirement accounts or any other accounts that would lose special tax treatment under state or federal law if given as security. The granting of this security interest is a condition for the issuance of any Card that you may use, directly or indirectly, to obtain extensions of credit under the Agreement. This means that, if you are in default, we can, without prior notice to you, take funds from any eligible account(s) in which you have an ownership interest and apply them as a credit against your Account in any amount available up to the entire balance. Collateral securing other loans you have with us may also secure this loan.

1. The following terms have these meanings in the Agreement:

'Account Number' means the 16-digit number on the face of your Card.

'Balance' means your Balance together with all purchases, Balance Transfers, Cash Advances, fees, finance charges, and other charges net of any credits that accrue thereon until the date on which our records reflect that you owe no amounts to us (no debit balance) and we owe no amounts to you (no credit balance).

'Balance Transfer' shall mean a transfer of a credit balance from another credit card account to your Card.

'Cash Advance' shall mean a loan from us to you other than a Credit Purchase. The following transactions are considered Cash Advances: requesting cash in person at any branch; making a credit transaction at participating ATM network machines; withdrawing cash against your credit limit through online banking; fund a wire transfer; purchasing money orders, travelers checks, lottery tickets, or using convenience checks.

'Convenience Check' shall mean a convenience check that we may provide to you from time to time. It shall be deemed to be an authorization for a Cash Advance.

'Credit Limit' means the amount of credit we will make available to you under the Agreement as stated above. We may reduce, suspend, or terminate your credit limit at any time without prior notice for any reason not prohibited by law.

'Credit Purchase' shall mean use of your Card or Account Number to purchase or lease goods and/or services. Even though certain Transactions may be considered purchases, certain quasi-cash Transactions shall accrue a finance charge at the rate set out for Cash Advances. These quasi-cash Transactions include but are not limited to: funding transfers for security and brokerage accounts, child support or other court payments; payments to post bail or bond; tax payments; betting, gambling, or advancing funds at track or casino.

'Person' means, as the context requires, a human being and/or firm, corporation, partnership (including, without limitation, general partnerships, limited partnerships, and limited liability partnerships), limited liability company, joint venture, business trust, association or other legal entity other than us.

'Transaction' means each (a) Credit Purchase, (b) Cash Advance and (c) Balance Transfer.

'Transaction Date' means the date you (a) make a Credit Purchase (b) obtain a Cash Advance, (c) use a Convenience Check or (d) make a Balance Transfer, as applicable.

'Unauthorized use of the Card' means the use of the Card by someone other than you who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit.

Ownership of Your Card . The Card(s) issued to you remains our property. You may surrender them to us at any time. You must recover and surrender all Cards upon our request and upon termination of this Agreement. The card may be repossessed at any time at our sole discretion without demand or notice.

Using Your Card. You may use your Card to make purchases from merchants and others who accept Visa cards for personal, family, or household purpose. You may not use your Card to make payments on any debt. If you wish to pay for goods and service over the internet, you may be required to provide Card number security information before you will be permitted to complete the transaction. In addition, you may obtain Cash Advances from Bellco and from other financial institutions that accept Visa Cards, and from some automated teller machines (ATMs). To obtain Cash Advances from an ATM, you must use a Personal Identification Number (PIN).

Responsibility . In order to comply with applicable laws and regulations as well as manage your Account, you are responsible for providing us your legal name(s), mailing address, place of residence (if different from mailing address), date of birth, Social Security number or other government identification number, telephone number(s), employment information, and income information. You agree to notify us of any change to the above information within fifteen (15) calendar days of the change by calling 1-800-BELLCO-1 (1800-235-5261) or by notifying us in writing at Bellco Credit Union, Card Services, P.O. Box 2068, Glen Burnie, MD 21060. We may suspend or terminate your Account if we cannot verify your information, or if you do not provide it as requested.

Investigation Authorization. You authorize us to investigate your credit record and verify your credit, employment and income and further authorize any person, association, firm, corporation, or personnel office to furnish on our request, information pertinent to

1 2 3 4No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:e63ac78daaa27c1365aa46bceb5f11ae9f9b03317d1f55dc20611c1da26de44e
“0% introductory APR for the first 12 months”
Open source link ↗
BELLCO
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:2d8c554abb3b7406485b443fb552f91edd795dbbeaf14b748a382355ea5b96a0
“15.25%”
Open source link ↗
BELLCO
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:2d8c554abb3b7406485b443fb552f91edd795dbbeaf14b748a382355ea5b96a0
“variable APR thereafter.”
Open source link ↗
BELLCO
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:2d8c554abb3b7406485b443fb552f91edd795dbbeaf14b748a382355ea5b96a0
“15.25%”
Open source link ↗
BELLCO
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:2d8c554abb3b7406485b443fb552f91edd795dbbeaf14b748a382355ea5b96a0
“variable APR”
Open source link ↗
BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:e63ac78daaa27c1365aa46bceb5f11ae9f9b03317d1f55dc20611c1da26de44e
“No annual fee.”
Open source link ↗
BELLCO
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:2d8c554abb3b7406485b443fb552f91edd795dbbeaf14b748a382355ea5b96a0
“Unlimited 2% Cash Back* on qualifying Purchases.***”
Open source link ↗
BELLCO
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:2d8c554abb3b7406485b443fb552f91edd795dbbeaf14b748a382355ea5b96a0
“2.0% of every $1 of Purchases minus credits, returns, and adjustments (“Net Purchase Amount”). Cash Back Rewards are calculated by rounding the Net Purchase Amount to the closest dollar on the last day of the month. Cash Back Rewards for a month shall be added to the Rewards balance on the first day of the next calendar month and can be redeemed as a one-time, monthly, quarterly or annual payment…”
Open source link ↗
BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:e63ac78daaa27c1365aa46bceb5f11ae9f9b03317d1f55dc20611c1da26de44e
“Earn unlimited 2% Cash Back”
Open source link ↗
BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:e63ac78daaa27c1365aa46bceb5f11ae9f9b03317d1f55dc20611c1da26de44e
“2.0% of every $1 of Purchases minus credits, returns, and adjustments (“Net Purchase Amount”). Cash Back Rewards are calculated by rounding the Net Purchase Amount to the closest dollar on the last day of the month. Cash Back Rewards for a month shall be added to the Rewards balance on the first day of the next calendar month and can be redeemed as a one-time, monthly, quarterly or annual payment…”
Open source link ↗
BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:e63ac78daaa27c1365aa46bceb5f11ae9f9b03317d1f55dc20611c1da26de44e
“Earn $200 Bonus Cash Back after you spend $2000 in Purchases within the first 90 days of account opening. Bonus Cash Back will be added to your Rewards balance within 8 weeks from the end of the 90-day promotion. To be eligible to redeem Cash Back Rewards, the credit card account must be open and in good standing at the time of the redemption. Cash Back Rewards will expire on the last day of the …”
Open source link ↗
BELLCO
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:2d8c554abb3b7406485b443fb552f91edd795dbbeaf14b748a382355ea5b96a0
“Earn $200 Bonus Cash Back after you spend $2000 in Purchases within the first 90 days of account opening. Bonus Cash Back will be added to your Rewards balance within 8 weeks from the end of the 90-day promotion. To be eligible to redeem Cash Back Rewards, the credit card account must be open and in good standing at the time of the redemption. Cash Back Rewards will expire on the last day of the …”
Open source link ↗
BELLCO
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:2d8c554abb3b7406485b443fb552f91edd795dbbeaf14b748a382355ea5b96a0
“$200 Bonus Cash Back with $2,000 in Purchases within 90 days of account opening*”
Open source link ↗
BELLCO
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:2d8c554abb3b7406485b443fb552f91edd795dbbeaf14b748a382355ea5b96a0
“Membership eligibility required.”
Open source link ↗
BELLCO
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:e63ac78daaa27c1365aa46bceb5f11ae9f9b03317d1f55dc20611c1da26de44e
“Bellco Blue Diamond Visa Signature Credit Card”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Balance transfer APR, Cash back, Cash signup bonus
Oct 13, 2026: Balance transfer APR, Cash back, Cash signup bonus, Purchase APR

Offered through: Bellco Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68437
Branches: 30 in CO
Sources: Official issuer · 1 document · 0 pages cited

Documents

BELLCO VISA® CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSURE PROVISIONSeffective date not parsedName declaration: Blue Diamond Visa Signature · page 1

Blue Diamond Visa Signature®Bellco Credit Union · state credit union, CO · NCUA 68437

Rates and fees