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  BrightStar CU Visa Platinum Secured Credit Card
BrightStar CU Visa Platinum Secured Credit Card Unaffiliated

BrightStar CU Visa Platinum Secured Credit Card

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Highlights
Purchase APR  (Variable APR) 8.99% - 18%
Balance Transfer APR  (Variable APR) 8.99% - 18%
Credit Score Range 350 - 600
Annual Fee $0

BrightStar CU Visa Platinum Secured Credit Card Review

This is a secured credit card card issued by BrightStar Credit Union. If you're wondering whether BrightStar CU Visa Platinum Secured Credit Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. BrightStar CU 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.

Pros & Cons of BrightStar CU Visa Platinum Secured Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3.99%.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • BrightStar CU Visa Platinum Secured Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 0.8%.
  • You don't earn rewards on every purchase.

BrightStar CU Visa Platinum Secured Credit Card FAQ

Does BrightStar CU Visa Platinum Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the BrightStar CU 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 CU 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 CU 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 CU 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.

BrightStar CU Visa Platinum Secured Credit Card Balance Transfers
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 CU 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 CU Visa Platinum Secured Credit Card?

The following fees apply:

BrightStar CU Visa Platinum Secured 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 card.

Does BrightStar CU Visa Platinum Secured Credit Card have a foreign transaction fee?

BrightStar CU 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.

What is the customer service phone number for BrightStar CU Visa Platinum Secured Credit Card?

The BrightStar CU Visa Platinum Secured Credit Card customer service number is (954) 486-2728.

What is the support contact email for BrightStar CU Visa Platinum Secured Credit Card?

The support contact email for BrightStar CU Visa Platinum Secured Credit Card is service@bscu.org.

What is the BrightStar CU Visa Platinum Secured Credit Card login page?

You can access the BrightStar CU Visa Platinum Secured Credit Card login page here.

How do people rate the customer service and user experience of BrightStar CU Visa Platinum Secured Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does BrightStar CU Visa Platinum Secured Credit Card report your account activity to credit bureaus?

Yes, BrightStar CU 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 CU Visa Platinum Secured Credit Card

  • Visit the BrightStar CU 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.

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 credit cards offered by BrightStar Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $1
Minimum Cash Advance Fee ($) Starting at $1
Foreign Currency Transaction Fee 0.8%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Paper Statement Fee $3
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
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 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Rewards Type No Rewards
Cash Advance APR (Variable APR) 8.99% - 18%
APR Type Variable APR
Balance Computation “Average daily balance (including new purchases)”.
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) 6 months
Balance Transfer APR (Variable APR) 8.99% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
  • Secured
  • Bad Credit
Card Network Visa

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