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Baxter Credit Union

Travel Rewards Visa Signature

This credit card is recommended for people with the following credit scores: 620-719 and 720+

Nationwide
Availability
Eligibility requirements
  • This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

17.4% – 26.4%* Purchase APR

*As of . Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score Median purchase APR Comparison to other cards
620-719 22.5%
2 dollar sign symbols
Pay average interest
720+ 18.38%
2 dollar sign symbols
Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee
None
Minimum finance charge
No minimum interest payment is required to avoid additional fees
Grace period
30 days until interest begins to accrue on purchases
Balance computation method
Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index
The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0 Annual fee
Late fee
$29 for the first late payment and $29 for a late payment within six billing cycles of another late payment
Over-limit fee
None
Returned Payment Fee
$29 (When payment is returned NSF)

Rewards and perks

Travel Rewards
Services
  • Automobile rental insurance
  • Debt cancellation coverage
  • Discounts on purchases of goods and services (non travel related)
Card features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

25%* Cash advance APR
+
3% ($10 minimum) Cash advance fee, see details

Cash advance fee details: $10 or 3% of each cash advance, whichever is greater (no maximum)

*As of . Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.