BrightStar Credit Union Credit Cards

BrightStar Credit Union is a Florida-based credit union with over half a billion dollars in assets. BrightStar offers a wide variety of credit card products designed to fit every lifestyle and budget. Browse a selection of credit card offers below.

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BrightStar Credit Union Visa Platinum Cash Rewards Card

BrightStar Credit Union Visa Platinum Cash Rewards Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

BrightStar Credit Union Visa Platinum Cash Rewards Card

  • 15.24% to 18% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 15.24% to 18% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 15.24% to 18% variable based on creditworthiness and the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

At a Glance

As a cash back rewards card, the BrightStar Visa Platinum Cash Rewards Card is a solid option for folks who are searching for ways to save money with a low, competitive APR while earning rewards for everyday spending.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee, no balance transfer fee
  • Low, competitive standard APR for purchases
  • 0% introductory APR for balance transfers for first 12 months after account approval
  • Earn 1.5% cash back rewards on all purchases
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 15.24% to 18% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 12 billing cycles, on balance transfers made within 60 days of account approval
  • Balance Transfer APR: 15.24% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 15.24% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: $1 at an ATM
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
  • You want to earn cash back from every eligible purchase you make
  • You would like a credit card that does not charge an annual fee
  • You’ll use your new card to transfer a balance you’d like to save money on thanks to an introductory APR period
  • You would like the ability to transfer a balance without paying a balance transfer fee

The Educator’s Rewards Visa Platinum Card

The Educator's Rewards Visa Platinum Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

The Educator’s Rewards Visa Platinum Card

  • 16.99% to 18% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 16.99% to 18% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 16.99% to 18% variable based on creditworthiness and the Prime Rate Cash Advance APR
  • 0% for 12 months from account opening date Intro Purchase APR

At a Glance

The Educator’s Rewards Visa Platinum Card from BrightStar Credit Union earns cardholders points on all qualifying purchases. This card offers new cardholders an introductory 0% APR for 12 months on purchases. Additionally, new cardholders can take advantage of a reduced APR for 12 months on balance transfers. What’s more, there are no fees for balance transfers with this card. All of these benefits are available to you with no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • 0% introductory APR for 12 months on purchases
  • Reduced introductory APR for 12 months with no fee on balance transfers
  • Earn points on your purchases
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 16.99% to 18% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 2.49% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 16.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 16.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: $1 ATM Cash Advance Transaction Fee
  • Foreign Transaction Fee: up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
  • You’re school faculty or staff working in the state of Florida
  • You don’t want to pay an annual fee to use a credit card
  • You want to earn points on your purchases
  • You would like to receive 0% APR for 12 months on purchases
  • You need to transfer a credit card balance and wish to pay it off in 12 months

BrightStar Credit Union Visa Platinum Card

BrightStar Credit Union Visa Platinum Card
Good-Fair-Poor
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair / Poor
Visa Processing Network
None Annual Fee

BrightStar Credit Union Visa Platinum Card

  • 14.99% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.99% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 14.99% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

At a Glance

If you need a credit card to help you fight against your debt, the BrightStar Credit Union Visa Platinum Card may pop up on your radar. It offers features like credit limits up to $50,000, no annual or balance transfer fees, and relatively low rates and fees for everything else.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 2.99% introductory APR for 12 months on balance transfers
  • Low regular APR
  • No annual fee
  • No balance transfer fees
  • Credit limits of up to $50,000
  • Low cash advance and foreign transaction fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 2.99% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: $1 ATM Cash Advance Fee
  • Foreign Transaction Fee: up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
  • You reside or work in one of the associated Florida counties, including Broward, Miami-Dade and Palm Beach
  • You want a card with low-to-no fees all around, including for foreign transactions, cash advances, and balance transfers
  • You plan to open or already have a bank account with BrightStar to maximize benefits
  • You have a particularly high balance to pay off and can benefit from the low regular APR and introductory rate

BrightStar Business Elite Rewards Credit Card

BrightStar Business Elite Rewards Credit Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

BrightStar Business Elite Rewards Credit Card

  • 14.99% to 18% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.99% to 18% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • See Terms Cash Advance APR
  • 0% for the first 12 months Intro Purchase APR

At a Glance

The BrightStar Business Elite Rewards Card lets companies earn rewards while enjoying a competitive, low APR. The card, from BrightStar Credit Union in Florida, features no annual fee, no penalty APR, and no fees on balance transfers.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 1X points on every purchase
  • 0% Intro APR for the first 12 months on purchases
  • 3.88% intro APR on balance transfers for 12 months
  • No penalty fees and no balance transfer fees
  • Intro Purchase APR: 0% for the first 12 months
  • Regular Purchase APR: 14.99% to 18% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 3.99% for the first 12 months
  • Balance Transfer APR: 14.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: See Terms
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
  • You already bank with BrightStar, or operate a Florida-based company
  • You want to earn basic rewards while enjoying a low APR
  • You want a card they can use to invest in the company immediately, then pay off those purchases over a year
  • You do’t want to pay an annual fee

BrightStar Credit Union Visa Platinum Secured

BrightStar Credit Union Visa Platinum Secured
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
None Annual Fee

BrightStar Credit Union Visa Platinum Secured

  • 14.99% to 18% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.99% to 18% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 14.99% to 18% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The BrightStar Credit Union Visa Platinum Secured features an APR range that mirrors that of some regular non-secured credit cards. New cardholders can benefit from a reduced introductory APR for six months on balance transfers – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Same APRs as a regular credit card
  • Reduced introductory balance transfer APR for 6 months on balance transfers
  • Cash advance APR equal to regular purchase APR
  • Regular Purchase APR: 14.99% to 18% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 2.99% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 14.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 14.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: $1 ATM Cash Advance Fee
  • Foreign Transaction Fee: up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $550
  • You have no credit or poor credit but don’t want prepaid cards or debit cards
  • You want to improve your credit report with a good payment history
  • You don’t want to pay an annual fee
  • You want a low APR for a secured card
  • You want to transfer an existing balance and intend to pay it off in up to 6 months

About BrightStar Credit Union

BrightStar Credit Union is a South Florida credit union with its headquarters in Broward County’s Fort Lauderdale. The association began life in 1946, with just 26 educators from Broward County Public Schools. Today, the credit union boasts over 56,000 members and over $0.5 billion in assets.

The BrightStar core values place a heavy emphasis on education. After all, many of the union’s members are educators in Broward County. The bank offers a variety of fo outreach programs, including volunteer work, sponsorship, and scholarships for students and teachers to further their education.

BrightStar Branch Locations

BrightStar (BSCU) currently has a small number of branches, located throughout Broward County. These branches include locations in:

  • Davie (2400 Davie Rd, Davie, FL 33317)
  • Hollywood (4743 Hollywood Blvd, Hollywood, FL 33021)
  • Lauderhill (1879 FL-7, Lauderhill, FL 33313)
  • Margate (3175 FL-7, Margate, FL 33063)
  • Pembroke Pines (12405 Taft St, Pembroke Pines, FL 33028)
  • Pompano Beach (1600 South, Federal Hwy, Pompano Beach, FL 33062)

The credit union also operates fee-free ATMs with the CU24 program. Like the CO-OP network of ATMs, the CU24 system provides no-fee cash withdrawals for all members at any of their thousands of ATMs across the U.S.

Who Can Join BrightStar Credit Union?

Membership in BrightStar is open to anyone who lives, works, or attends school in the following Florida counties:

Broward, Collier, Lee, Martin, Miami-Dade, Palm Beach, St. Lucie, Pinellas, Hillsborough, Polk, Ocala, Brevard, Manatee, Hardee, Highlands, Okeechobee, Indian River, Sarasota, DeSoto, Charlotte, Glades, Hendry, or Monroe.

BrightStar Credit Cards

BSCU offers a variety of credit cards for every use and need. The options include a low APR card, a balance transfer credit card, a business rewards card, and a secured card.

The rewards cards, including the Educator’s Rewards Visa Platinum Card and the Business Elite Rewards Credit Card, both earn reward points through the Scorecard Rewards program. The Scorecard Rewards program is a loyalty program combining hundreds of credit unions throughout the country.

FAQs About BrightStar Credit Union

Here are answers to some of the most frequently asked questions about BrightStar Credit Union and their credit card offers:

  • Unfortunately, BrightStar does not accept cosigners for their secured cards.
  • Secured credit cards typically don’t offer the option of a balance transfer, and the BrightStar offer is no different.

What credit score do I need to get a BrightStar credit card?

  • The BSCU routing number is: 267078299.

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