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  Baxter Credit Union Travel Rewards Visa Platinum Credit Card

Baxter Credit Union Travel Rewards Visa Platinum Credit Card

in Personal Credit Cards from Baxter Credit Union

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Baxter Credit Union Travel Rewards Visa Platinum Credit Card

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in Personal Credit Cards from Baxter Credit Union

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Highlights
Purchase APR  (Variable APR) 11.4% - 17.9%
Balance Transfer APR  (Variable APR) 11.4% - 17.9%
Credit Score Range 650 - 850
Annual Fee $0

Baxter Credit Union Travel Rewards Visa Platinum Credit Card Review

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

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 10000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Baxter Credit Union Travel Rewards Visa Platinum Credit Card has a variable purchase APR that ranges from 11.4% up to 17.9%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 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 oods if your credit score is above650.
Baxter Credit Union Travel Rewards Visa Platinum Credit Card Pros & Cons
The Good The Bad
  • Earn unlimited 2X points on all purchases.
  • New Account Bonus! 10,000 points after $1,000 in purchases in the first 90 days.
  • 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.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Baxter Credit Union Travel Rewards Visa Platinum Credit Card is accepted.
  • Baxter Credit Union Travel Rewards Visa Platinum Credit Card reports to multiple credit bureaus.
  • Does not include many credit card benefits.
Baxter Credit Union Travel Rewards Visa Platinum Credit Card FAQ

Is there a Baxter Credit Union Travel Rewards Visa Platinum Credit Card cash back or rewards program?

Baxter Credit Union Travel Rewards Visa Platinum Credit Card offers a rewards program to its customers.

Baxter Credit Union Travel Rewards Visa Platinum Credit Card Rewards
Minimum rewards rate 2x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Baxter Credit Union Travel Rewards Visa Platinum Credit Card have a signup bonus?

Baxter Credit Union Travel Rewards Visa Platinum Credit Card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does Baxter Credit Union Travel Rewards Visa Platinum Credit Card offer an annual loyalty bonus?

Baxter Credit Union Travel Rewards Visa Platinum Credit Card doesn't offer a cash loyalty bonus.

What are the Baxter Credit Union Travel Rewards Visa Platinum Credit Card benefits?

Baxter Credit Union Travel Rewards Visa Platinum Credit Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Baxter Credit Union Travel Rewards Visa Platinum 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 Travel Rewards Visa Platinum Credit Card has lower than average purchase APRs.

Baxter Credit Union Travel Rewards Visa Platinum Credit Card has a variable purchase APR that ranges from 11.4% up to 17.9%. The card has a variable balance transfer APR that ranges from 11.4% up to 17.9%. 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 Travel Rewards Visa Platinum Credit Card have an introductory APR offer on balance transfers?

Yes, Baxter Credit Union Travel Rewards Visa Platinum Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Baxter Credit Union Travel Rewards Visa Platinum Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 11.4% - 17.9%

Does Baxter Credit Union Travel Rewards Visa Platinum Credit Card have an introductory APR offer on new purchases?

Baxter Credit Union Travel Rewards Visa Platinum Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Baxter Credit Union Travel Rewards Visa Platinum Credit Card?

The following fees apply to Baxter Credit Union Travel Rewards Visa Platinum Credit Card:

Baxter Credit Union Travel Rewards Visa Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $29
Late Payment Fee up to $29

Does Baxter Credit Union Travel Rewards Visa Platinum Credit Card have a foreign transaction fee?

Baxter Credit Union Travel Rewards Visa Platinum Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Baxter Credit Union Travel Rewards Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Baxter Credit Union Travel Rewards Visa Platinum 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 Travel Rewards Visa Platinum Credit Card

  • Visit the Baxter Credit Union Travel Rewards Visa Platinum 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 Travel Rewards Visa Platinum 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.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Every Purchase (Points) Starting at 2
Every Purchase (Points) Earn unlimited 2X points on all purchases.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Travel
  • Every Purchase
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 18%
Balance Computation "average daily balance (including new purchases)."
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.4% - 17.9%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.4% - 17.9%
Card Type
  • Rewards
  • Low Interest
  • Travel
  • Bonus Offers
  • Zero Percent
Card Network Visa

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