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Bellco Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
Introductory, 6 months0%BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
15.25%–21% variableBELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for balance transfersintroductory rate first
Introductory, 12 months3.99%BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
After15.25%–21%BELLCO · 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 feeBELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 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 · Introductory for 12 months on balance transfers that occur in the first 90 days.BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsBalance transfer · Regular After that, the Standard APR will be 15.25% to 21%.BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsPurchase · Introductory; Purchase · Regular on new purchases for the first 6 months – 15.25% to 21% variable APR thereafterBELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
3X PointsNot disclosed3 points per $1. See source conditions for eligible purchases.BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
2X PointsNot disclosed2 points per $1. See source conditions for eligible purchases.BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards conditions3X PointsPoint posting timing is not disclosed. Point expiration is not disclosed. Redemption options:  to use for statement credit or gift cards, travel benefits, events, entertainment and more. 3X PointsBELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions3X Points Grocery Stores/Supermarkets/Wholesale Clubs BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions3X Points Gas/Service Stations/Automated Fuel Pumps BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions3X Points Sporting Goods & Apparel Stores BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions3X Points Shoe Stores BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions3X Points Fitness/Member Clubs BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions3X Points Misc. Food BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions3X Points Resorts BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions3X Points Golf Courses BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions3X Points Camper/Trailer Dealers BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions3X Points RV Parks/Campgrounds BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions3X Points Sporting/Recreational Facilities BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards conditions2X PointsPoint posting timing is not disclosed. Point expiration is not disclosed. Redemption options:  to use for statement credit or gift cards, travel benefits, events, entertainment and more. 2X PointsBELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions2X Points Cable / Satellite Services BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions2X Points Internet Services BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards source conditions2X Points Phone Services BELLCO · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website