Baxter CU Rewards Visa Platinum Credit Card
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| Purchase APR (Variable APR) |
14.40% - 18.00% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
14.40% - 18.00% (Verified 08/04/2023) |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Baxter CU Rewards Visa Platinum Credit Card Review
This is a cashback 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 $1000 within 3 months.
- Competitive APRs. Baxter CU Rewards Visa Platinum Credit Card has a variable purchase APR that ranges from 14.40% up to 18.00%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Baxter CU Rewards Visa Platinum Credit Card
| The Good | The Bad |
|---|---|
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Baxter CU Rewards Visa Platinum Credit Card FAQ
Does Baxter CU Rewards Visa Platinum Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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.
| 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?
| 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
| Description | |
|---|---|
| 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 |
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.
Contact
- Headquarters
-
P.O. Box 8133
Vernon Hills, IL 60061 USA - (800) 388-7000
- Visit Site
- Email Support
About Baxter CU Rewards Visa Platinum Credit Card
Other Credit Cards by Baxter Credit Union
Availability
- 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 |
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