What is the introductory APR?

The Business Elite Rewards Card offers 0% APR on purchases for the first 12 months. After the introductory period, your rate will be as low as 13.49% APR based on your creditworthiness.

Is there an annual fee?

No. The Business Elite Rewards Card has no annual fee — ever. There are also no balance transfer fees and no penalty rates.

What is the balance transfer rate?

Balance transfers receive a promotional rate of 3.99% APR for the first 12 months. After that, the standard rate applies. Balance transfers must be initiated within the first 60 days of account opening to receive the promotional rate.

What is the maximum credit limit?

Credit limits are available up to $50,000, depending on your business's creditworthiness and financial profile.

You earn reward points on every purchase. Points can be redeemed for gift cards, cash back, travel rewards, merchandise, and more. There's no cap on the points you can earn.

What protection features are included?

The card includes premium purchase protection, extended warranty coverage on eligible purchases, and complimentary NortonLifeLock Identity Theft Protection — all at no additional cost.

Can I transfer balances from other cards?

Yes. You can transfer balances from other credit cards at 3.99% APR for 12 months with no balance transfer fee. Transfers must be initiated within 60 days of account opening. You cannot transfer balances from existing BrightStar CU loans or lines of credit.

Do I need to be a BrightStar member?

Yes. You must be or become a BrightStar Credit Union member to apply. If you're not yet a member, you can apply for membership and the credit card at the same time.