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  Baxter CU Travel Rewards Visa Signature Credit Card
Baxter CU Travel Rewards Visa Signature Credit Card Unaffiliated

Baxter CU Travel Rewards Visa Signature Credit Card

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Highlights
Purchase APR  (Variable APR) 14.40% - 18.00%
(Verified 11/03/2022)
Balance Transfer APR  (Variable APR) 14.40% - 18.00%
(Verified 11/03/2022)
Credit Score Range 650 - 850
Annual Fee $0

Baxter CU Travel Rewards Visa Signature Credit Card Review

This is a cashback credit 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
  • Earn unlimited 2X points on all purchases.
  • New Account Bonus! 10,000 points after $1,000 in purchases in the first 90 days.
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 14.40% up to 18.00%.
  • No annual fee.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Baxter CU Travel Rewards Visa Signature Credit Card reports to multiple credit bureaus.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

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.

Baxter CU Travel Rewards Visa Signature Credit Card Rewards
Minimum rewards rate 2x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) 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.

Baxter CU Travel Rewards Visa Signature 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 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?

Baxter CU Travel Rewards Visa Signature Credit Card Purchase Intro Offer
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:

Baxter CU Travel Rewards Visa Signature Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
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 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.

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 CU Travel Rewards Visa Signature Credit Card

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View all credit cards offered by Baxter Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual 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
Customer Type Personal
Minimum Age 18
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
No Reward Expiration Period
Rewards Categories
  • 2x Points on Every Purchase
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 18%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 14.40% - 18.00%
(Verified 11/03/2022)
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) 14.40% - 18.00%
(Verified 11/03/2022)
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Cashback
  • Travel
  • Bonus Offers
  • Zero Percent
Card Network Visa

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