Credit union · NCUA insured
BP Federal Credit Union Credit Card Rates
BP Federal Credit Union credit cards start at 11.65% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How BP Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where BP Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
BP Federal Credit Union
11.65%APR
- Annual fee
- None
Gold Visa
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
BP Federal Credit Union credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BP Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Gold Visa
No annual fees. 25-day grace period. Rates based on risk analysis which consists of financial history and credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.65% | None | Beacon Score 740+. 25-day grace period. |
| Ongoing | 12.65% | None | Beacon Score 700-739. 25-day grace period. |
| Ongoing | 13.65% | None | Beacon Score 650-699. 25-day grace period. |
| Ongoing | 17.90% | None | Beacon Score 630-649. 25-day grace period. |
Who can join BP Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Full-time, part-time, temporary or casual employees, retirees, or annuitants of BP are eligible for membership.
- Contractors for BP are eligible for membership.
- Employees of listed participating companies and select groups are eligible for membership.
Family and household
- Domestic partners and family members (spouse, parents, grandparents, children [natural, adopted, or foster], siblings, grandchildren, and spouses of such members) of members are eligible for membership.
Membership information collected October 5, 2026.