Last Updated: 04/18/2025
BrightStar CU Business Rewards Credit Card
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
Starting at 14.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 14.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
650 - 850
BrightStar CU Business Rewards Credit Card Review
This is a cashback card issued by BrightStar Credit Union. If you're wondering whether BrightStar CU Business Rewards Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of BrightStar CU Business Rewards Credit Card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR starting at 14.24% . The card has a variable balance transfer APR starting at 14.24% .
The good news is this business card does not charge a penalty APR if you are late on a payment.
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 3.99% for a period of 12 months from account opening.
This business card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.
| Purchase APR | Starting at 14.24% |
| Balance Transfer APR | Starting at 14.24% |
| Penalty APR | 0% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $25 .
- A returned payment fee of up to $25.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Balance Transfer Fee | 0% |
| Minimum Balance Transfer Fee | $0 |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
Does it offer a cash back or rewards program?
Yes, BrightStar CU Business Rewards Credit Card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Travel | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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Message from BrightStar CU Business Rewards Credit Card
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 7:00PM
Saturday
Closed