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  Baxter CU Cash Rewards Visa Credit Card
Baxter CU Cash Rewards Visa Credit Card Unaffiliated

Baxter CU Cash Rewards Visa Credit Card

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Highlights
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 CU Cash Rewards Visa Credit Card Review

This is a cashback credit card issued by Baxter Credit Union. If you're wondering whether Baxter CU Cash Rewards Visa 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.

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 $100 if you spend $1000 within 3 months.
  • Competitive APRs. Baxter CU Cash Rewards Visa 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Baxter CU Cash Rewards Visa Credit Card

The Good The Bad
  • Earn unlimited 1.5% cash back on all purchases.
  • $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.
  • No annual fee.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Baxter CU Cash Rewards Visa Credit Card is accepted.
  • Baxter CU Cash Rewards Visa Credit Card reports to multiple credit bureaus.
  • Does not include many credit card benefits.

Baxter CU Cash Rewards Visa Credit Card FAQ

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

Does Baxter CU Cash Rewards Visa Credit Card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $100 after spending $1000.

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

This card doesn't offer a cash loyalty bonus.

What are the Baxter CU Cash Rewards Visa Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Baxter CU Cash Rewards Visa 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 Cash Rewards Visa 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 CU Cash Rewards Visa 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 Cash Rewards Visa 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 11.4% - 17.9%

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

Baxter CU Cash Rewards Visa 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 Cash Rewards Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
Baxter CU Cash Rewards Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
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 Cash Rewards Visa Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

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

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

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

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

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

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

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

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

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

Yes, Baxter CU Cash Rewards Visa 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 Cash Rewards Visa Credit Card

  • Visit the Baxter CU Cash Rewards Visa 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 Cash Rewards Visa Credit Card

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View all credit cards offered by Baxter Credit Union

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 0%
No Annual Fee
No Foreign Transaction 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 Rates
  • Every Purchase
Signup Bonus $100
Cash Advance APR (Variable APR) 18%
Balance Computation "average daily balance (including new purchases)"
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.4% - 17.9%
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) 11.4% - 17.9%
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Cashback
  • Bonus Offers
  • Zero Percent
Card Network Visa

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