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  BrightStar CU Business Rewards Credit Card
BrightStar CU Business Rewards Credit Card
in Business Credit Cards from BrightStar Credit Union
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BrightStar CU Business Rewards Credit Card

Unaffiliated
in Business Credit Cards from BrightStar Credit Union
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Highlights
Purchase APR  (Variable APR) Starting at 14.24%
(Verified 02/24/2023)
Balance Transfer APR  (Variable APR) Starting at 14.24%
(Verified 02/24/2023)
Credit Score Range 650 - 850
Annual Fee $0

BrightStar CU Business Rewards Credit Card Review

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 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 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 protection, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of BrightStar CU Business Rewards Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3.99%.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR starting at 14.24% .
  • No annual fee.
  • Multiple business credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Cardholders can earn rewards on their purchases.
  • BrightStar CU Business Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

BrightStar CU Business Rewards Credit Card FAQ

Who is BrightStar CU Business Rewards Credit Card designed for?

This is a credit card issued by BrightStar Credit Union.

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

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.

BrightStar CU Business Rewards Credit Card Rates & Terms
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.

BrightStar CU Business Rewards Credit Card Fees
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:

  • Advertising Services
  • Airfare
  • Amazon.com
  • Car Rentals
  • Internet, Cable and Phone Services
  • Drug Stores
  • Education
  • Every Purchase
  • Furniture
  • Gas stations
  • Groceries
  • Gyms
  • Home Improvement
  • Hotels
  • Insurance
  • Office Supply Stores
  • Restaurants
  • Retail
  • Shipping
  • Software, Hardware, Cloud
  • Utilities
  • Warehouse Clubs

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.

What are the benefits?

This business credit card provides the following benefits:

  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (954) 486-2728.

What is the support contact email?

The support contact email for this business credit card is service@bscu.org.

Does BrightStar CU Business Rewards Credit Card report your account activity to credit bureaus?

Yes, BrightStar CU Business Rewards Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the BrightStar Credit Union .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Message From BrightStar CU Business Rewards Credit Card

Take advantage of a business credit card with a consumer-friendly attitude! Offered only by YOUR Credit Union for the prosperity of your business and your peace of mind. Business Elite Rewards Credit Card. Designed for Small Businesses ... Just Like Yours.

Contact

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

Other Services by BrightStar Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Annual Fee $0
Cash Advance Fee Minimum $1
Foreign Currency Transaction Fee 1%
Late Fee Amount Up to $25
Minimum Cash Advance Fee ($) $1
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • 1x Point on Travel
APR Type Variable APR
Balance Computation Average daily balance (including new purchases)
Credit Limit Up to $50,000
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) Starting at 14.24%
(Verified 02/24/2023)
Balance Transfer Fee % 0%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Minimum $0
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer Introductory APR (Variable APR) 3.99%
Balance Transfer APR (Variable APR) Starting at 14.24%
(Verified 02/24/2023)
Card Network Visa
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Zero Percent

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