This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Market Comparison
4.0
fees: 5.0
rewards: 5.0
cost: 4.0
APR: 3.5
Purchase Intro APR→0% for 12 months
Transfer Intro APR→0% for 12 months|Transfer Fee:3%
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Market Comparison
3.2
fees: 4.7
rewards: 0.0
cost: 2.9
APR: 3.5
Purchase Intro APR→0% for 12 months
Transfer Intro APR→0% for 12 months|Transfer Fee:3%
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
The Redemption Center: The rewards redemption center is a disaster! You use the card and accumulate points, and when it's time to redeem your rewards, there are all kinds of conditions that weren't communicated to customers upfront. For example, it will take 3-5 business days to verify the cardholder's ID before I can redeem a second gift card due to the amount of the Gift Card. Well, if I can spend the money on the card with ease, I expect redemption to be just as straightforward. #EASE I am on the phone right now with the Fraud Department for BCU, who can only use my member number to verify me, when everyone else I spoke with for the past 2 hours today verified me without my member number. The name of the person on the other line is Lauren.
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Product: BCU Credit Cards
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BCU @MyBCU
Hi Pearl,
This isn't the experience we want for our members, and it appears there has been some miscommunication about the information shared. We'd like the chance to investigate this further. Since we can't verify your identity on a public forum, please send your details to [email protected] so we can review the situation more closely.
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Sheny Thao @shenythao
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1 Star Rating
If I could give this bank 0 stars, I would. Their staff is EXTREMELY unhelpful. I opened a new account with a new bank because of how terrible this credit union is. Every time I give them a call with any type of situation, I am always getting transferred to a different department AT LEAST 3 times because that person isn’t able to help me and then just for them to tell me that department is closed and I have to call back another day. The department would be closed at 3pm which I think is ridiculous. It's like no one is able to help me. They are never able to resolve my issue because they never understand the problem. I highly DO NOT recommend to bank with Baxter Credit Union, you are better off with another bank!!!!!
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Product: BCU Credit Cards
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BCU @MyBCU
Hello, we are very sorry about your experience. With your account information needing to be secure, we can not assist on WalletHub, but if you could please send your contact information over to [email protected], we'll be able to reach out to assist.
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james mixon @j_mixon_atmore
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4 Star Rating
Verified Customer
Good people, they seem to care about my business. I was pleasantly surprised by how nice and easy they were to work with. I would recommend them to anyone looking for a banking home.
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Product: BCU Credit Cards
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Milagros Beauchamp @milagrosbeauchamp
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5 Star Rating
Verified Customer
Excellent service all the time. The best for my convenience while at home or traveling. It's a great credit card, easy to use and check balance.
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Product: BCU Credit Cards
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Osvaldo @osvaldo_gabrielrc
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5 Star Rating
Verified Customer
It's a great starting card, with very low interest rate for limited credit history. The secure category of it makes it great for when building a healthy history if needed you get that money back. Just be on time with payments.
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Product: BCU Credit Cards
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Red Sea @Redsea
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1 Star Rating
Wish I could give zero stars. Applied for a credit card online and was approved but, when calling about the status of the card, I was told that my APPROVAL was rejected. They claim notification of the rejection was sent to me. I didn't receive anything. BCU is a dishonest company.
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Product: BCU Credit Cards
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1
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Deborah A Sorgi @silverleaf58
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5 Star Rating
Verified Customer
Good card. Absolutely my primary credit card for last minute purchases. I try to use only as needed. This is a great card with good rewards program
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Product: BCU Credit Cards
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Daniel @danharr77
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4 Star Rating
Verified Customer
Card is fine the BCU app has some issues. If you have multiple accounts transferring payments can be confusing. I'm pretty sure I selected the correct account for a transfer to my bank but it still went to the wrong account.
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Product: BCU Credit Cards
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Dean P Sabatini @deans_4
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5 Star Rating
Verified Customer
Great rates and earn 1.5% cash back on all purchases. Very helpful customer service if you have a question on the account. They reward you with very generous credit line increases if your account is paid on time.
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Product: BCU Credit Cards
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Hassan @hassan_zain
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5 Star Rating
Verified Customer
BCU Baxter Credit Union Great card is a smart card with solid customer service. We use it anywhere and everywhere, never disappoint!
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Product: BCU Credit Cards
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Review BCU Credit Cards
BCU Credit Card Q&A
Get answers to your questions about BCU Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
To get a BCU cash advance, use a BCU credit card and a corresponding PIN at a participating ATM and withdraw the cash, up to the card's available cash advance limit. If you do not have a PIN, contact BCU customer service at the number on the back of your card to request one.
How to Get a BCU Cash Advance at an ATM
Call BCU customer service at the number on the back of your card and request a PIN, if you don't already have one.
Insert the credit card into an ATM and enter the PIN.
Select the cash advance option on the ATM screen.
Enter the amount you'd like to withdraw.
Withdraw the cash and remove the credit card from the ATM.
There may be other ways to get a cash advance from your BCU credit card, too. For example, you can request a cash advance in person at a local BCU branch. You could also fill out a BCU cash advance check and use it like a traditional bank check.
Keep in mind that a BCU cash advance is a very expensive transaction. For starters, a cash advance fee and a separate cash advance APR apply as soon as you withdraw the cash. There may also be ATM-owner fees, depending on where you get the cash advance.
You can only get pre-approved for a BCU credit card if you receive an offer to apply. BCU extends pre-approved offers via mail to existing customers, but does not have an online tool that interested consumers can use to check their pre-approval status.
If you wish to respond to a BCU pre-approved offer received by mail, visit the website listed in your offer and enter the enclosed invitation code. This allows BCU to flag the application...
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by WalletHub: BCU Cash Rewards Credit Card, BCU Simply Visa Credit Card, and BCU Travel Rewards Credit Card.
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