BrightStar CU Educator Reward Visa Credit Card

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.

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 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.

Pros & Cons of BrightStar CU Educator Reward Visa Credit Card

BrightStar CU Educator Reward Visa Credit Card FAQ

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:

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?

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.

What are the fees for BrightStar CU Educator Reward Visa Credit Card?

The following fees apply:

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 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.