Visa Credit Cards | BCCU

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No matter your lifestyle or need, Bellwether has the credit card for you! Our Visa® cards were designed to match a variety of needs, so whether you're looking to build credit, get cash back, or travel, Bellwether has the card for you to fulfill your goals. Bellwether serves anyone living or working in New Hampshire, and has also expanded our membership to include anyone living or working in Essex or Middlesex Counties in Massachusetts!




Smart Rate Card

  • 1.99% Introductory APR for 12 billing cycles*
  • Low cost, no frills, great for credit builders 
  • No annual fee
  • No balance transfer fee*
  • No over-the-credit limit fee



Smart Cash Card

  • 3.99% Introductory APR for 12 billing cycles*
  • Receive $50 for first $1,000+ spent in the first 90 days*
  • Earn 1.5% for every dollar spent
  • No annual fee
  • No balance transfer fee*
  • No over-the-credit limit fee



Smart Rewards Card

  • 2.99% Introductory APR for 12 billing cycles*
  • Receive 5,000 points for $1,000+ spent in the first 90 days*
  • Earn 1.5 points for every dollar spent
  • No annual fee
  • No balance transfer fee*
  • No over-the-credit limit fee



Simply Secured Card

Great for anyone looking to build (or improve) their credit. While using your savings as collateral, this card also helps you develop your creditworthiness. Once you've established a satisfactory payment history and credit rating, you may upgrade to an unsecured card, at Bellwether’s discretion.


For a more detailed comparison of our credit cards, click here.

*Promotional rates and offers for new Bellwether Credit Card holders only. Promotions do not apply to members who have had a previous Bellwether Credit Card.



Fees and Disclosures

Open a Visa® card through Bellwether and avoid hidden fees!

  • NO balance transfer fee*
  • NO annual fee
  • NO program fee
  • NO participation fee
  • NO transaction fee for purchases
  • NO over-the-credit limit fee

Click here for a full list of fees and disclosures.

*4% during Intro or Promotional Periods. No fee when standard rate applies.

Earn Points with Every Purchase on your Smart Rewards card!


Earn points every time you use your Bellwether Smart Rewards credit card! Your points can be redeemed for travel, merchandise, and gifts - that's just our way of saying, "thank you!" See what your points can earn you by clicking here!

Already have a Smart Rewards card? Sign up for CURewards here. CURewards only applies to Bellwether's Visa® Smart Rewards card.

Roadside Dispatch

Bellwether Visa® cardholders have access to Roadside Dispatch, a pay-per-use roadside assistance program.

Simply call 1-800-847-2869, 24 hours a day, 7 days a week. Roadside Dispatch will ask you where you are and what the problem is, and they'll stay on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set rate per service call. No membership required. No need to pre-enroll. No annual dues. No limit on usage. View our full disclosure here.

Zero Liability

With a Visa® card, you're protected from unauthorized use of your card or account information. The Visa® Zero Liability policy ensures that you pay nothing for unauthorized transactions.

[Visa's® Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa®. Cardholders must use care in protecting their card and must notify Bellwether immediately of any unauthorized use. Bellwether may exclude from the Zero Liability policy a transaction made by a person authorized to transact business on the account and/or a transaction made by a cardholder that exceeds the authority given by the account owner. Contact Bellwether at 1-866-996-9828 for more details.]

Auto Rental Collision Damage Waiver

Receive auto coverage for damage caused by collision or theft. To activate coverage, complete the entire rental transaction with your eligible Visa® card and decline the rental car company's collision damage waiver (CDW). Additional drivers must also be listed on the auto rental agreement. Coverage only available for "covered vehicles" - trucks and luxury cars are not covered. 

View our full disclosure here and make easy claims at

Lost or Stolen Card Reporting

If your Visa® card is ever lost or stolen, rest assured that assistance is only a phone call away. Call Bellwether at 1-800-449-7728.


Your card is automatically enrolled in an information updating service. Through this service, your updated account information (such as card number or expiration date) may be shared with participating merchants to facilitate continued recurring charges. Updates are not guaranteed before your next payment to a merchant is due. You are responsible for making direct payment until recurring charges resume. To revoke your authorization allowing us to provide updated account information to a merchant, please contact us at 1-(866)-996-9828.

To report lost or stolen Bellwether VISA credit cards, call 1-(800) 449-7728 immediately.

If you have questions about a replacement card, send us a secure Message using online banking, or call our knowledgeable Contact Center Member Consultants at (603)-645-8181 or 1-(866)-996-9828.

To change or set your credit card PIN, please call 1-(888)-886-0083.

Click here for more information on your VISA benefits.

Read our full cardholder agreement here.

Click here for a full list of fees and disclosures.

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