BrightStar CU Educator Reward Visa Credit Card
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| Purchase APR (Variable APR) | 8.99% - 18% |
| Balance Transfer APR (Variable APR) | 8.99% - 18% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
BrightStar CU Educator Reward Visa Credit Card Review
This is a cashback credit card issued by BrightStar Credit Union. If you're wondering whether BrightStar CU Educator Reward Visa 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 on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- Competitive APRs. BrightStar CU Educator Reward Visa 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 eligible 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.
| The Good | The Bad |
|---|---|
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Does BrightStar CU Educator Reward Visa 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:
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does BrightStar CU Educator Reward Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does BrightStar CU Educator Reward Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the BrightStar CU Educator Reward Visa 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 CU Educator Reward Visa 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.BrightStar CU Educator Reward Visa 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.
Does BrightStar CU Educator Reward Visa 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.
| 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 CU Educator Reward Visa 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 BrightStar CU Educator Reward Visa Credit Card?
The following fees apply:
| 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 CU Educator Reward Visa Credit Card have a foreign transaction fee?
BrightStar CU Educator Reward Visa 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 support contact email for BrightStar CU Educator Reward Visa Credit Card?
The support contact email for BrightStar CU Educator Reward Visa Credit Card is service@bscu.org.
What is the BrightStar CU Educator Reward Visa Credit Card login page?
You can access the BrightStar CU Educator Reward Visa Credit Card login page here.
How do people rate the customer service and user experience of BrightStar CU Educator Reward Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does BrightStar CU Educator Reward Visa Credit Card report your account activity to credit bureaus?
Yes, BrightStar CU Educator Reward Visa 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 CU Educator Reward Visa Credit Card
- Visit the BrightStar CU Educator Reward Visa 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
-
PO Box 8966
Ft. Lauderdale, FL 33310 USA - Visit Site
- Email Support
Other Services by BrightStar Credit Union
Availability
- 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 |
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