
Baxter Credit Union Launch™ Secured Visa Credit Card
in Personal Credit Cards from Baxter Credit Union
UnaffiliatedBaxter Credit Union Launch™ Secured Visa Credit Card
in Personal Credit Cards from Baxter Credit Union
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Purchase APR (Variable APR) | 18% |
Balance Transfer APR (Variable APR) | 18% |
Credit Score Range | 350 - 600 |
Annual Fee | $0 |
Baxter Credit Union Launch™ Secured Visa Credit Card Review
Baxter Credit Union Launch™ Secured Visa Credit Card is a secured credit card credit card issued by Baxter Credit Union. If you're wondering whether Baxter Credit Union Launch™ Secured Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 18%
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
The Good | The Bad |
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Is there a Baxter Credit Union Launch™ Secured Visa Credit Card cash back or rewards program?
No, Baxter Credit Union Launch™ Secured Visa Credit Card does not offer a rewards program.
What are the Baxter Credit Union Launch™ Secured Visa Credit Card benefits?
Baxter Credit Union Launch™ Secured Visa Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Baxter Credit Union Launch™ Secured Visa Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Baxter Credit Union Launch™ Secured Visa Credit Card has higher than average purchase APRs.Baxter Credit Union Launch™ Secured Visa Credit Card has a variable purchase APR of 18%. The card has a variable balance transfer APR of 18% . 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 Credit Union Launch™ Secured Visa Credit Card have an introductory APR offer on balance transfers?
No, Baxter Credit Union Launch™ Secured Visa Credit Card does not come with an introductory APR offer for balance transfers.Does Baxter Credit Union Launch™ Secured Visa Credit Card have an introductory APR offer on new purchases?
Baxter Credit Union Launch™ Secured Visa Credit Card does not offer an introductory rate on new purchases.Description |
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What are the fees for Baxter Credit Union Launch™ Secured Visa Credit Card?
The following fees apply to Baxter Credit Union Launch™ Secured Visa Credit Card:
- There is no overlimit fee
Fees | Amount |
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Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 1% |
Returned Payment Fee | up to $29 |
Late Payment Fee | up to $29 |
Does Baxter Credit Union Launch™ Secured Visa Credit Card have a foreign transaction fee?
Baxter Credit Union Launch™ Secured Visa 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 a foreign transaction fee.Does Baxter Credit Union Launch™ Secured Visa Credit Card report your account activity to credit bureaus?
Yes, Baxter Credit Union Launch™ Secured 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 Credit Union Launch™ Secured Visa Credit Card
- Visit the Baxter Credit Union Launch™ Secured 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.
Contact
- Headquarters
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P.O. Box 8133
Vernon Hills, IL 60061 - (800) 388-7000
- Visit Site
About Baxter Credit Union Launch™ Secured Visa Credit Card

Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- 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
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
No Annual Fee | |
Annual Fee | $0 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Cash Advance Fee Minimum | $5 |
Cash Advance Fee (%) | Starting at 3% |
Minimum Cash Advance Fee ($) | $5 - $50 |
Foreign Currency Transaction Fee | 1% |
Returned Payment Fee | Up to $29 |
Paper Statement Fee | $2 |
Late Fee Amount | Up to $29 |
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