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You do need to be a member of the Baxter Credit Union in order to apply for this rewards credit card. You have to maintain an account with $3,000+ in order to avoid paying additional fees for your account.
Baxter Credit Union Visa Signature Credit Card Overview
This credit card is a low interest credit card, which is a nice touch for a rewards credit card. When you activate your card, you will receive 10,000 bonus CURewards points. You earn rewards points two to $1 when you buy groceries, gas and eat in a restaurant; you get one point per $1 for every other purchase type. Rewards can be redeemed for travel, merchandise, cash and more.
With this card you will receive 24/7 Signature concierge service, travel accident insurance and rental car insurance.
There is an introductory APR for balance transfers of 6.9% that lasts for 1.5 years after you activate you credit card. After that the APR is the same as your purchase APR.
Baxter Credit Union Visa Signature Credit Card Terms
The terms for this card comply with the new rules for credit card companies, which also applies to banks, as reported by the Federal Reserve.
The terms for this card include:
- $99 annual fee, waived the first year
- Annual fee waived if you maintain an account with $25,000
- 8.90% – 10.50% APR for purchases, balance transfers and cash advances
- 3% cash advance fee
- No foreign transaction fee
- No penalty APR
Baxter Credit Union Visa Signature Credit Card Verdict
While this is an excellent credit card for people with excellent or better credit, it certainly isn’t for everyone. If you have bad or even slightly bumpy credit, you will be unable to qualify for this card.
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