in Personal Credit Cards from BrightStar Credit Union
UnaffiliatedBrightStar Credit Union Visa Platinum Secured Credit Card
in Personal Credit Cards from BrightStar Credit Union
Not enough votes for recommendation
Explore a similar product
Try this top product in Personal Credit Cards.
| Purchase APR (Variable APR) | 8.99% - 18% |
| Balance Transfer APR (Variable APR) | 8.99% - 18% |
| Credit Score Range | 350 - 600 |
| Annual Fee | $0 |
BrightStar Credit Union Visa Platinum Secured Credit Card Review
This is a secured credit card credit card issued by BrightStar Credit Union. If you're wondering whether BrightStar Credit Union Visa Platinum Secured 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.
- Competitive APRs. BrightStar Credit Union Visa Platinum Secured 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 card. It gives you the benefits of a credit card, 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.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
| The Good | The Bad |
|---|---|
|
|
Does BrightStar Credit Union Visa Platinum Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the BrightStar Credit Union Visa Platinum Secured Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for BrightStar Credit Union Visa Platinum Secured 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 Credit Union Visa Platinum Secured 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%.
Does BrightStar Credit Union Visa Platinum Secured 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 6 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 0% |
| Balance Transfer Introductory APR | 3.99% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 8.99% - 18% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does BrightStar Credit Union Visa Platinum Secured Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for BrightStar Credit Union Visa Platinum Secured 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 card.
Does BrightStar Credit Union Visa Platinum Secured Credit Card have a foreign transaction fee?
BrightStar Credit Union Visa Platinum Secured 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.How do people rate the customer service and user experience of BrightStar Credit Union Visa Platinum Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does BrightStar Credit Union Visa Platinum Secured Credit Card report your account activity to credit bureaus?
Yes, BrightStar Credit Union Visa Platinum Secured 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 Visa Platinum Secured Credit Card
- Visit the BrightStar Credit Union Visa Platinum Secured 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 - Visit Site
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
| 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 |
Be the first to rate
Would you recommend BrightStar Credit Union Visa Platinum Secured Credit Card to your friends?
Other Personal Credit Cards
BrightStar Credit Union Personal Credit Cards
- AltaOne FCU Share Secured Credit Card
- Benjamin Credit Card
- City Furniture Credit Card
- Credit Union of Colorado Platinum Preferred Rewards Visa
- First Security Bank Secured Visa
- Haband! Credit Card
- Lake Michigan Credit Union Max Rewards Visa Credit Card
- Lexus Pursuits Visa®
- MIT Federal Credit Union Visa Signature Real Rewards Card
- Pepco Federal Credit Union Visa Platinum Credit Card
- Princess Cruises Rewards Visa Card
- Renasant Bank Visa® Platinum Card
