
Baxter CU Travel Rewards Visa Signature Credit Card
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Purchase APR (Variable APR) |
14.40% - 18.00% (Verified 08/04/2023) |
Balance Transfer APR (Variable APR) |
14.40% - 18.00% (Verified 08/04/2023) |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
Baxter CU Travel Rewards Visa Signature Credit Card Review
This is a cashback card issued by Baxter Credit Union. If you're wondering whether Baxter CU Travel Rewards Visa Signature Credit Card is the right card for you, read on.
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 CU Travel Rewards Visa Signature Credit Card has a variable purchase APR that ranges from 14.40% up to 18.00%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Baxter CU Travel Rewards Visa Signature Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- 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 odds if your credit score is above 650.
Pros & Cons of Baxter CU Travel Rewards Visa Signature Credit Card
The Good | The Bad |
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Baxter CU Travel Rewards Visa Signature Credit Card FAQ
Does Baxter CU Travel Rewards Visa Signature Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 2% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.
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 CU Travel Rewards Visa Signature Credit Card have a signup bonus?
This 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 CU Travel Rewards Visa Signature Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Baxter CU Travel Rewards Visa Signature Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Baxter CU Travel Rewards Visa Signature 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 lower than average regular APRs.Baxter CU Travel Rewards Visa Signature Credit Card has a variable purchase APR that ranges from 14.40% up to 18.00%. The card has a variable balance transfer APR that ranges from 14.40% up to 18.00%. 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 CU Travel Rewards Visa Signature Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
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 | 14.40% - 18.00% |
Balance Transfer Fee % | 3% |
Does Baxter CU Travel Rewards Visa Signature Credit Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for Baxter CU Travel Rewards Visa Signature Credit Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $ |
Initial Program Fee | $ |
Foreign Transaction Fee | 0% |
Returned Payment Fee | Starting at $ up to $29 |
Late Payment Fee | Starting at up to $29 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Baxter CU Travel Rewards Visa Signature Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Baxter CU Travel Rewards Visa Signature Credit Card?
The Baxter CU Travel Rewards Visa Signature Credit Card customer service number is (800) 388-7000.
What is the support contact email for Baxter CU Travel Rewards Visa Signature Credit Card?
The support contact email for Baxter CU Travel Rewards Visa Signature Credit Card is business.services@bcu.org.
What is the Baxter CU Travel Rewards Visa Signature Credit Card login page?
You can access the Baxter CU Travel Rewards Visa Signature Credit Card login page here.
How do people rate the customer service and user experience of Baxter CU Travel Rewards Visa Signature Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Baxter CU Travel Rewards Visa Signature Credit Card report your account activity to credit bureaus?
Yes, Baxter CU Travel Rewards Visa Signature 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 CU Travel Rewards Visa Signature Credit Card
- Visit the Baxter CU Travel Rewards Visa Signature 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 CU Travel Rewards Visa Signature Credit Card
Other Credit Cards by Baxter Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
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- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 12 months |
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