Baxter Credit Union Travel Rewards Visa Signature Credit Card Review

This is a cashback credit card issued by Baxter Credit Union. If you're wondering whether Baxter Credit Union Travel Rewards Visa Signature Credit Card is the right card for you, read on. This review will provide you with with all the details you need 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.
• 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 Signature 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 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 Credit Union 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.

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. No annual fee. Identity Theft Protection. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere Baxter Credit Union Travel Rewards Visa Signature Credit Card is accepted. Baxter Credit Union Travel Rewards Visa Signature Credit Card reports to multiple credit bureaus.

Charges a 3% balance transfer fee. Does not include many credit card benefits.

Does Baxter Credit Union 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 Credit Union Travel Rewards Visa Signature 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

What are the Baxter Credit Union 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 Credit Union 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 Credit Union Travel Rewards Visa Signature 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.

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

The following fees apply:

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

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

• Visit the Baxter Credit Union 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.