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

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

in Personal Credit Cards from BrightStar Credit Union

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

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in Personal Credit Cards from BrightStar Credit Union

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Highlights
Purchase APR  (Variable APR) 8.99% - 18%
Balance Transfer APR  (Variable APR) 8.99% - 18%
Credit Score Range 650 - 850
Annual Fee $0

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

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 odds if your credit score is above 650.
Pros & Cons of BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card
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.
BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card FAQ

Does BrightStar Credit Union The Educator's Rewards Visa Platinum 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. 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

Does BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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.

Does BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 3.99% for a period of up to 12 months.

BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 3.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 8.99% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card have an intro APR offer on new purchases?

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

The following fees apply:

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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card have a foreign transaction fee?

BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card charges a foreign transaction fee of 0.8%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $16. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card?

The BrightStar Credit Union The Educator's Rewards Visa Platinum Credit Card customer service number is (954) 486-2728.

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.

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 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 7:00pm
  • Saturday Closed

Other Services by BrightStar Credit Union

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View all personal credit cards offered by BrightStar 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $1
Minimum Cash Advance Fee ($) Starting at $1
Foreign Currency Transaction Fee 0.8%
Returned Payment Fee Up to $25
Paper Statement Fee $3
Late Fee Amount Up to $25
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
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Travel
Cash Advance APR (Variable APR) 8.99% - 18%
Balance Computation “Average daily balance (including new purchases)”.
Credit Limit Up to $50,000
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 8.99% - 18%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 3.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 8.99% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Cashback
  • Zero Percent
Card Network Visa

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