Rates accurate as of: November 1, 2024

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Blue Diamond Visa Signature® Credit Card

Interest Rates and Interest Charges

Fees

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request.

Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR for balance transfers if you make a late payment.

Variable Rate Information: The Variable APRs listed above are based on the Prime Rate as of the effective date listed below. Your variable rate will be calculated each billing cycle by adding a Margin to the Prime Rate published in the Money Rates table of the Wall Street Journal on the last business day of the previous billing cycle. Any monthly change in the Prime Rate will be effective as of the first day of the next billing cycle in the following month. If the Prime Rate is not published on that day, we will use the prior publication day. The daily rate is the APR divided by 365. If the Prime Rate increases, you will pay a higher finance charge and may have a higher minimum payment.

Effective Date: This disclosure is effective as of date listed above and is subject to change after date listed. To find out what may have changed, or if you have any questions, call toll-free in the U.S. at 1-800-235-5261.

Blue Diamond Cash Back Program: 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. Bonus Cash Back Offer: 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 www.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.

Reward Programs are services provided by Bellco Credit Union and managed by ampliFI Loyalty Solutions, LLC and are subject to change. In the event of fraud, abuse of program privileges or violation of the rules, Bellco reserves the right to cancel the Member’s membership in the Program. You must have an Internet-enabled device and Internet access to access the Program Website. Message and data charges from your wireless carrier may apply. Bellco is not responsible for products and services offered by other companies. The value of the rewards may be taxable to you. Please consult with your tax advisor concerning tax consequences.

Colorado Rewards Visa® Credit Card

Interest Rates and Interest Charges

Fees

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request.

Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR for purchases or balance transfers if you make a late payment.

Variable Rate Information: The Variable APRs listed above are based on the Prime Rate as of the effective date listed below. Your variable rate will be calculated each billing cycle by adding a Margin to the Prime Rate published in the Money Rates table of the Wall Street Journal on the last business day of the previous billing cycle. Any monthly change in the Prime Rate will be effective as of the first day of the next billing cycle in the following month. If the Prime Rate is not published on that day, we will use the prior publication day. The daily rate is the APR divided by 365. If the Prime Rate increases, you will pay a higher finance charge and may have a higher minimum payment.

Effective Date: This disclosure is effective as of the date listed above and is subject to change after date listed. To find out what may have changed, or if you have any questions, call toll-free in the U.S. at 1-800-235-5261.

Colorado Rewards Points Program: 1-3 Points for every $1 of Purchases** minus credits, returns, and adjustments will be posted to the Member’s rewards account within 45-90 days of the purchase. The number of Points awarded are based on specific Merchant Category Classification codes chosen by Bellco. Members can earn additional Points from participating merchants for eligible Purchases. Points can be redeemed through the Program website. Bonus Points Offer: Earn 15,000 Bonus Points after you spend $500 or more on Purchases in the first 90 days from account opening. Bonus Points will be added to your rewards points balance within 8 weeks from the end of the 90-day promotion. To be eligible for Points, account must be open and in good standing at the time of fulfillment. Points will expire on the last day of the month, 3 years after the date of issuance. Full Program details can be found at www.BellcoColoradoRewards.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.

Rewards Programs are services provided by Bellco Credit Union and managed by ampliFI Loyalty Solutions, LLC and are subject to change. In the event of fraud, abuse of program privileges or violation of the rules, Bellco reserves the right to cancel the Member’s membership in the Program. You must have an Internet-enabled device and Internet access to access the Program Website. Message and data charges from your wireless carrier may apply. Bellco is not responsible for products and services offered by other companies. The value of the rewards may be taxable to you. Please consult with your tax advisor concerning tax consequences.

Bellco Visa Platinum® Credit Card

Interest Rates and Interest Charges

Fees

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request.

Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR for purchases or balance transfers if you make a late payment.

Variable Rate Information: The Variable APRs listed above are based on the Prime Rate as of the effective date listed below. Your variable rate will be calculated each billing cycle by adding a Margin to the Prime Rate published in the Money Rates table of the Wall Street Journal on the last business day of the previous billing cycle. Any monthly change in the Prime Rate will be effective as of the first day of the next billing cycle in the following month. If the Prime Rate is not published on that day, we will use the prior publication day. The daily rate is the APR divided by 365. If the Prime Rate increases, you will pay a higher finance charge and may have a higher minimum payment.

Effective Date: This disclosure is effective as of the date listed above and is subject to change after date listed. To find out what may have changed, or if you have any questions, call toll-free in the U.S. at 1-800-235-5261.