BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card Review

BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card is a cashback credit card issued by BrightStar Credit Union. If you're wondering whether BrightStar Credit Union The Educator's 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.

• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Competitive APRs. BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card has a variable purchase APR that ranges from 8.99% up to 18%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 0.8% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, travel accident insurance, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above650.

The Good

The Bad

Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 3.99%. No balance transfer fee. 0% APR on new purchases during the first 12 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Identity Theft Protection. Travel accident insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 0.8%. You don't earn rewards on every purchase.

Is there a BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card cash back or rewards program?

BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. This card features rewards for purchases in the following categories:

BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card benefits?

BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for BrightStar Credit Union The Educator's 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. BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card has lower than average purchase APRs.

BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card has a variable purchase APR that ranges from 8.99% up to 18%. The card has a variable balance transfer APR that ranges from 8.99% up to 18%. It also has a variable cash advance APR that ranges from 8.99% up to 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 BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card?

The following fees apply to BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card:

BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0.8%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

Does BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, BrightStar Credit Union The Educator's 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 BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card

• Visit the BrightStar Credit Union The Educator's 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.