A BCU credit card is a Visa card that is issued by the Baxter Credit Union, and which carries many of the benefits but none of the penalties and additional fees that come with other cards, as stated on the BCU website. With regard to benefits, the BCU card offers cash back rewards up to two percent, travel rewards, free annual summaries and rates as low as 8.5 percent APR.
Baxter Credit Union promotes its Visa card by noting that, unlike many other credit cards, theirs does not carry an annual fee, and a cardholder who makes a late payment will not be penalized by their interest rate being raised. BCU also allows for balance transfers from higher rate credit cards to be made without a transfer fee. Cardholders are protected from being held liable for unauthorized purchases by Visa's Zero Liability policy.