in Personal Credit Cards from Baxter Credit Union
UnaffiliatedBaxter Credit Union Cash Rewards Visa Platinum Credit Card
in Personal Credit Cards from Baxter Credit Union
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| Purchase APR (Variable APR) | 11.4% - 17.9% |
| Balance Transfer APR (Variable APR) | 11.4% - 17.9% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Baxter Credit Union Cash Rewards Visa Platinum Credit Card Review
This 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 review will provide you with with all the details you need 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 $1000 within 3 months.
- Competitive APRs. Baxter Credit Union Cash Rewards Visa Platinum Credit Card has a variable purchase APR that ranges from 11.4% up to 17.9%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
| The Good | The Bad |
|---|---|
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Does Baxter Credit Union Cash Rewards Visa Platinum Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | $100 |
| Signup Bonus Spend Requirement | $1000 |
| Signup Bonus Spend Period (months) | 3 months |
Does Baxter Credit Union Cash Rewards Visa Platinum Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $100 after spending $1000.
Does Baxter Credit Union Cash Rewards Visa Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Baxter Credit Union Cash Rewards Visa Platinum Credit Card benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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.
Does Baxter Credit Union Cash Rewards Visa Platinum Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 3% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 11.4% - 17.9% |
Does Baxter Credit Union Cash Rewards Visa Platinum Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for Baxter Credit Union Cash Rewards Visa Platinum Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $29 |
| Late Payment Fee | up to $29 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Baxter Credit Union Cash Rewards Visa Platinum Credit Card have a foreign transaction fee?
Baxter Credit Union Cash Rewards Visa Platinum Credit 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 card at home and apply for one that doesn't charge foreign transaction fees.How do people rate the customer service and user experience of Baxter Credit Union Cash Rewards Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
P.O. Box 8133
Vernon Hills, IL 60061 - Visit Site
About Baxter Credit Union Cash Rewards Visa Platinum Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- 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
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 12 months |
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