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  Baxter Credit Union Launch™ Secured Visa Credit Card

Baxter Credit Union Launch™ Secured Visa Credit Card

in Personal Credit Cards from Baxter Credit Union

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Baxter Credit Union Launch™ Secured Visa Credit Card

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in Personal Credit Cards from Baxter Credit Union

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Highlights
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

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 have good approval odds.
Pros & Cons of Baxter Credit Union Launch™ Secured Visa Credit Card
The Good The Bad
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Baxter Credit Union Launch™ Secured Visa Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Baxter Credit Union Launch™ Secured Visa Credit Card FAQ

Does Baxter Credit Union Launch™ Secured Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Baxter Credit Union Launch™ Secured Visa Credit Card benefits?

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Baxter Credit Union Launch™ Secured Visa Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Baxter Credit Union Launch™ Secured Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
Baxter Credit Union Launch™ Secured Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
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 card.

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 foreign transaction fees.

What is the customer service phone number for Baxter Credit Union Launch™ Secured Visa Credit Card?

The Baxter Credit Union Launch™ Secured Visa Credit Card customer service number is (800) 388-7000.

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.

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 Credit Union Launch™ Secured Visa Credit Card

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View all personal credit cards offered by Baxter Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Security Deposit Starting at $150
Cash Advance APR (Variable APR) 18%
Balance Computation "average daily balance (including new purchases)
Credit Limit Starting at $150
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 18%
Balance Transfer APR (Variable APR) 18%
Balance Transfer Fee Minimum $0
Card Type
  • Secured
  • Bad Credit
Card Network Visa

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