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Bellco Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases15.25%–21% variableBELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for balance transfersintroductory rate first
Introductory, 12 months0%BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
After15.25%–21% variableBELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feeNo annual fee.BELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance—
Balance transfer—
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
Opening conditionsMembership eligibility required.BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsBalance transfer · Introductory0% introductory APR for the first 12 monthsBELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR qualificationsBalance transfer · Regular variable APR thereafter. BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsPurchase · Regular variable APR BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Cash back2% cash back. Payment timing is not disclosed. Unlimited 2% Cash Back* on qualifying Purchases.*** BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
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, 2026Website
Cash back2% cash back. Payment timing is not disclosed. Earn unlimited 2% Cash BackBELLCO · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
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, 2026Website
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, 2026Website
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, 2026Website
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, 2026Website