Last Updated: 07/28/2025
Baxter CU Rewards Visa Platinum Credit Card
Unaffiliated
in Credit Cards from Baxter Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.40% - 18.00%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
14.40% - 18.00%(Verified 06/21/2024)
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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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 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 12 months.
- Signup bonus. Offers a signup bonus of up to $100.
- APRs: Baxter CU Rewards Visa Platinum Credit Card has a variable regular 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 up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Baxter CU Rewards Visa Platinum Credit Card
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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.
| Description |
Does Baxter CU Rewards Visa Platinum Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $100 .
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?
Baxter CU Rewards Visa Platinum Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.40% - 18.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 12 months.
What are the fees for Baxter CU Rewards Visa Platinum Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for Baxter CU Rewards Visa Platinum Credit Card 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 login page for Baxter CU Rewards Visa Platinum Credit Card?
You can access the login page of Baxter CU Rewards Visa Platinum Credit Card 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 to the following credit bureaus:
- 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 build your credit.
Does Baxter Credit Union perform a hard credit pull?
Yes, Baxter CU Rewards Visa Platinum Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Baxter CU Rewards Visa Platinum Credit Card
- Visit the website of Baxter CU Rewards Visa Platinum Credit Card.
- 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.
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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