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  Baxter CU Rewards Visa Platinum Credit Card
Baxter CU Rewards Visa Platinum Credit Card
in Credit Cards from Baxter Credit Union
Unaffiliated

Baxter CU Rewards Visa Platinum Credit Card

Unaffiliated
in Credit Cards from Baxter Credit Union
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Highlights
Purchase APR  (Variable APR) 14.40% - 18.00%
(Verified 11/03/2022)
Balance Transfer APR  (Variable APR) 14.40% - 18.00%
(Verified 11/03/2022)
Credit Score Range 650 - 850
Annual Fee $0

Baxter CU Rewards Visa Platinum Credit Card Review

This is a cashback credit card issued by Baxter Credit Union. If you're wondering whether Baxter CU Rewards Visa Platinum Credit Card is the right card for you, read on.

Key Takeaways

  • 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 up to $100 if you spend $1000 within 3 months.
  • Competitive APRs. Baxter CU Rewards Visa Platinum Credit Card has a variable purchase APR that ranges from 14.40% up to 18.00%.
  • 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.

Pros & Cons of Baxter CU Rewards Visa Platinum Credit Card

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
  • Potentially 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. There is then a variable purchase APR that ranges from 14.40% up to 18.00%.
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • Baxter CU Rewards Visa Platinum Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.

Baxter CU Rewards Visa Platinum Credit Card FAQ

Does Baxter CU 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.

Baxter CU Rewards Visa Platinum Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Starting at $100
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Baxter CU 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 CU Rewards Visa Platinum Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Baxter CU 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 CU 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 CU Rewards Visa Platinum Credit Card has a variable purchase APR that ranges from 14.40% up to 18.00%. The card has a variable balance transfer APR that ranges from 14.40% up to 18.00%. 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 CU 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.

Baxter CU Rewards Visa Platinum Credit Card Balance Transfers
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 14.40% - 18.00%

Does Baxter CU Rewards Visa Platinum Credit Card have an intro APR offer on new purchases?

Baxter CU Rewards Visa Platinum Credit Card Purchase Intro Offer
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 CU Rewards Visa Platinum Credit Card?

The following fees apply:

  • There is no overlimit fee
Baxter CU 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

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 CU Rewards Visa Platinum Credit Card have a foreign transaction fee?

Baxter CU 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.

What is the customer service phone number for Baxter CU Rewards Visa Platinum Credit Card?

The Baxter CU Rewards Visa Platinum Credit Card customer service number is (800) 388-7000.

What is the support contact email for Baxter CU Rewards Visa Platinum Credit Card?

The support contact email for Baxter CU Rewards Visa Platinum Credit Card is business.services@bcu.org.

What is the Baxter CU Rewards Visa Platinum Credit Card login page?

You can access the Baxter CU Rewards Visa Platinum Credit Card login page here.

How do people rate the customer service and user experience of Baxter CU Rewards Visa Platinum Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Baxter CU 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 CU Rewards Visa Platinum Credit Card

  • Visit the Baxter CU 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

About Baxter CU Rewards Visa Platinum Credit Card

Icon for Credit Cards
View all credit cards offered by Baxter Credit Union
View Baxter Credit Union Profile

Availability

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

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $29
Paper Statement Fee $2
Late Fee Amount Up to $29
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • 1.5% Cash Back on Every Purchase
Signup Bonus Starting at $100
Cash Advance APR (Variable APR) 18%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 14.40% - 18.00%
(Verified 11/03/2022)
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.40% - 18.00%
(Verified 11/03/2022)
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Cashback
  • Bonus Offers
  • Zero Percent
Card Network Visa

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