BrightStar Credit Union Credit Cards

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BrightStar Business Elite Rewards Credit Card

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Regular Purchase APR 10.99% to 18% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 10.99% to 18% variable based on creditworthiness and the Prime Rate
Cash Advance APR 10.99% to 18% variable based on creditworthiness and the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for the first 12 months
Processing Network Visa

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Terms & Conditions

Date Reviewed: July 19, 2021

Best Benefits

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

Rates & Fees

Intro Purchase APR: 0% for the first 12 months
Regular Purchase APR: 10.99% to 18% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 3.99% for the first 12 months
Balance Transfer APR: 10.99% to 18% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 10.99% 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 $35
Return Payment Penalty Fee: Up to $35

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The Educator’s Rewards Visa Platinum Card

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Regular Purchase APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
Cash Advance APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 12 months from account opening date
Processing Network Visa

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: July 19, 2021

Best Benefits

No annual fee
0% introductory APR for 12 months on purchases
Reduced introductory APR for 6 months with no fee on balance transfers
Earn points on your purchases

Rates & Fees

Intro Purchase APR: 0% for 12 months from account opening date
Regular Purchase APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 3.99% for 12 months on transfers made within 60 days from account opening date
Balance Transfer APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 8.99% 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

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Best Benefits

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

Rates & Fees

Regular Purchase APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 3.99% for 6 months on transfers made within 60 days from account opening date
Balance Transfer APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 8.99% to 16.49% 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

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Best Benefits

3.99% introductory APR for 6 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

Rates & Fees

Regular Purchase APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 3.99% for 6 months on transfers made within 60 days from account opening date
Balance Transfer APR: 8.99% to 18% variable based on the Prime Rate
Cash Advance APR: 8.99% 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

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Best Benefits

No annual fee, no balance transfer fee
Low, competitive standard APR for purchases
0% introductory APR for balance transfers for first 6 months after account approval
Earn 1.5% cash back rewards on all purchases

Rates & Fees

Regular Purchase APR: 10.99% to 18% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for the first 6 billing cycles, on balance transfers made within 60 days of account approval
Balance Transfer APR: 10.99% to 18% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 10.99% 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

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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:

Can I get a cosigner for the BrightStar secured card?

Unfortunately, BrightStar does not accept cosigners for their secured cards.

Can I make a balance transfer with the BrightStar Platinum Secured?

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?

What is the BSCU routing number?

The BSCU routing number is: 267078299.

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