Baxter CU Cash Rewards Visa Credit Card

Baxter CU Cash Rewards Visa Credit Card Review

This is a cashback 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.

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 Cash Rewards Visa 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.
• 3% Balance transfer fee. Baxter CU Cash Rewards Visa Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
• 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. 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. 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.

Charges a 3% balance transfer fee. After the introductory period, the fee is 3% . 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 ($)	$100
Signup Bonus Spend Requirement	$1000
Signup Bonus Spend Period (months)	3 months

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 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 18.00% .

The good news is this card does not charge a penalty APR if you are late on a payment.

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 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.