Baxter Credit Union Cash Rewards Visa Platinum Credit Card Review

Baxter Credit Union Cash Rewards Visa Platinum Credit Card is a cashback credit card issued by Baxter Credit Union. If you're wondering whether Baxter Credit Union Cash Rewards Visa Platinum Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Signup bonus. Offers a signup bonus of $100 if you spend $1000 within 3 months.
• Competitive APRs. Baxter Credit Union Cash Rewards Visa Platinum Credit Card has a variable purchase APR that ranges from 11.4% up to 17.9%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• 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.
• Fair or better credit required. You will have good approval oods if your credit score is above650.

The Good

The Bad

Earn unlimited 1.5% cash back on all purchases. New Account Bonus! $100 cash bonus after $1,000 in purchases in the first 90 days Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No balance transfer fee. 0% APR on new purchases during the first 12 months. No annual fee. Identity Theft Protection. Cardholders can earn rewards on purchases everywhere Baxter Credit Union Cash Rewards Visa Platinum Credit Card is accepted. Baxter Credit Union Cash Rewards Visa Platinum Credit Card reports to multiple credit bureaus.

Charges a foreign transaction fee of 1%. Does not include many credit card benefits.

Is there a Baxter Credit Union Cash Rewards Visa Platinum Credit Card cash back or rewards program?

Baxter Credit Union Cash Rewards Visa Platinum Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

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Baxter Credit Union Cash Rewards Visa Platinum Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	$100
Signup Bonus Spend Requirement	$1000
Signup Bonus Spend Period (months)	3 months

What are the Baxter Credit Union Cash Rewards Visa Platinum Credit Card benefits?

Baxter Credit Union Cash Rewards Visa Platinum Credit Card provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Baxter Credit Union Cash Rewards Visa Platinum Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Baxter Credit Union Cash Rewards Visa Platinum Credit Card has lower than average purchase APRs.

Baxter Credit Union Cash Rewards Visa Platinum Credit Card has a variable purchase APR that ranges from 11.4% up to 17.9%. The card has a variable balance transfer APR that ranges from 11.4% up to 17.9%. It also has a variable cash advance APR of 18% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Baxter Credit Union Cash Rewards Visa Platinum Credit Card?

The following fees apply to Baxter Credit Union Cash Rewards Visa Platinum Credit Card:

• There is no overlimit fee

Baxter Credit Union Cash Rewards Visa Platinum Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $29
Late Payment Fee	up to $29

Does Baxter Credit Union Cash Rewards Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Baxter Credit Union Cash Rewards Visa Platinum 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 for Baxter Credit Union Cash Rewards Visa Platinum Credit Card

• Visit the Baxter Credit Union Cash Rewards Visa Platinum Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.