Baxter Credit Union Low Rate Simply Visa Credit Card Review

Baxter Credit Union Low Rate Simply Visa Credit Card is a credit card issued by Baxter Credit Union. If you're wondering whether Baxter Credit Union Low Rate Simply Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• 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.
• Competitive APRs. Baxter Credit Union Low Rate Simply Visa Credit Card has a variable purchase APR that ranges from 8.50% up to 17.90%.
• 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.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.

The Good	The Bad
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. Considers applicants with fair or poor credit. Baxter Credit Union Low Rate Simply Visa Credit Card reports to multiple credit bureaus.	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.

Is there a Baxter Credit Union Low Rate Simply Visa Credit Card cash back or rewards program?

No, Baxter Credit Union Low Rate Simply Visa Credit Card does not offer a rewards program.

What are the Baxter Credit Union Low Rate Simply Visa Credit Card benefits?

Baxter Credit Union Low Rate Simply Visa Credit Card provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Baxter Credit Union Low Rate Simply 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 Low Rate Simply Visa Credit Card has lower than average purchase APRs.

Baxter Credit Union Low Rate Simply Visa Credit Card has a variable purchase APR that ranges from 8.50% up to 17.90%. The card has a variable balance transfer APR that ranges from 8.5% up to 17.9%. 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 Credit Union Low Rate Simply Visa Credit Card?

The following fees apply to Baxter Credit Union Low Rate Simply Visa Credit Card:

• There is no overlimit fee

Baxter Credit Union Low Rate Simply 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

Does Baxter Credit Union Low Rate Simply Visa Credit Card report your account activity to credit bureaus?

Yes, Baxter Credit Union Low Rate Simply 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 Low Rate Simply Visa Credit Card

• Visit the Baxter Credit Union Low Rate Simply 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.