Baxter Credit Union Launch™ Secured Visa Credit Card
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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
This is a secured credit card 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.
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 relatively good approval odds.
Pros & Cons of Baxter Credit Union Launch™ Secured Visa Credit Card
| The Good | The Bad |
|---|---|
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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. This card has higher than average regular 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 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
| 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.
What is the support contact email for Baxter Credit Union Launch™ Secured Visa Credit Card?
The support contact email for Baxter Credit Union Launch™ Secured Visa Credit Card is business.services@bcu.org.
What is the Baxter Credit Union Launch™ Secured Visa Credit Card login page?
You can access the Baxter Credit Union Launch™ Secured Visa Credit Card login page here.
How do people rate the customer service and user experience of Baxter Credit Union Launch™ Secured Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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
-
P.O. Box 8133
Vernon Hills, IL 60061 USA - (800) 388-7000
- Visit Site
- Email Support
About Baxter Credit Union Launch™ Secured Visa Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | Starting at 3% |
| Minimum Cash Advance Fee ($) | $5 - $50 |
| Foreign Currency Transaction Fee | 1% |
| No Annual 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 |
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