Better Than the Average Card
Low rates, no annual fees, and rewards that actually matter. Whether you're earning cash back, transferring a balance, or building credit — we have a card for you.
Why Members Choose BrightStar Cards
Rates as Low as 12.49% APR
Our rates are consistently lower than national averages — because we're not-for-profit.
No Annual Fees
Keep more of your money. None of our credit cards charge annual fees — ever.
0% Intro APR
Enjoy 0% APR on purchases for up to 12 months on select cards. Pay down balances faster.
No Balance Transfer Fees
Move your high-rate balances over for free. Save hundreds compared to other cards.
Visa Platinum Cash Rewards Card
Earn cash back on everything you buy — with one of the lowest rewards card rates around. Best for members who want to earn while they spend.
Perks:
- Earn 1.5% cash rewards on all purchases
- 0% APR on purchases for 6 months*
- 3.99% intro APR on balance transfers for 12 months**
- No annual fee
- No balance transfer fees
- After intro: as low as 14.49% APR
Visa Platinum Card
Our lowest rate credit card with generous credit limits. Best for members who want the lowest possible rate on purchases and balance transfers.
Perks:
- 0% APR on purchases for 6 months*
- 4.99% intro APR on balance transfers for 12 months**
- Credit limits up to $50,000
- No annual fee
- No balance transfer fees
- After intro: as low as 12.49% APR
Educator Rewards Visa Platinum Card
Exclusive rewards for those who shape the future. Best for teachers and school employees in Broward County.
Perks:
- Earn reward points for gift cards, cash back, travel & more
- 0% APR on purchases for 12 months
- 3.99% intro APR on balance transfers for 12 months***
- No annual fee & no balance transfer fee
- No penalty rates
- Credit limits up to $50,000
- NortonLifeLock™ Identity Theft Protection
- Travel benefits: accident insurance, auto rental & luggage insurance
Business Elite Rewards Card
Power your business with rewards and premium perks. Best for business owners who want to earn on every purchase.
Perks:
- Earn reward points for gift cards, cash back, travel & more
- 0% APR on purchases for 12 months
- 3.99% intro APR on balance transfers for 12 months††
- No annual fee & no balance transfer fee
- No penalty rates
- Credit limits up to $50,000
- Premium purchase protection & extended warranty
- NortonLifeLock™ Identity Theft Protection
- No-cost travel accident insurance
BrightSTART Card
First card, first step. Build your credit the right way. Best for first-time cardholders or those rebuilding credit.
Perks:
- Designed for first-time cardholders
- Low fees and student-friendly limits
- Helps build positive credit habits
- Straightforward, easy-to-understand terms
- Mobile banking tools for tracking spending and payments
- Low variable APR
Current Credit Card Rates
Rates are variable and based on the Prime Rate. Updated automatically.
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Rates effective as of . Rates may change at any time.
Rates are variable and determined by adding a margin to the Prime Rate.
The Prime Rate is the highest rate published in the Wall Street Journal.
Manage Your Card Online
Check Your Balance
View your available credit, current balance, and recent transactions anytime through Online Banking.
Make Payments Online
Pay your credit card bill in seconds from your BrightStar account. Set up auto-pay so you never miss a due date.
Shop with Confidence
Visa Zero Liability fraud protection, instant card lock/unlock, and real-time transaction alerts keep you safe.
Get Your Card in 3 Easy Steps
1. Choose Your Card
Compare our cards above and pick the one that fits your lifestyle — cash rewards, lowest rate, or premium perks.
Compare Cards2. Apply Online
Complete your application in minutes. You'll need a valid ID, Social Security number, and proof of income.
3. Start Spending Smarter
Once approved, your card arrives in the mail. Add it to your mobile wallet and start earning rewards right away.
Credit Card FAQs
Find answers to common questions about our checking accounts and services.
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Important Disclosures
*The Prime Rate used to determine your APR is the highest rate published in the Wall Street Journal as selected by the Credit Union in the calendar month preceding the month in which the APR changes. Your APR for purchases, cash advances and balance transfers can change every January and July of each calendar year and is determined by adding a margin of 5.74% to 13.24% (7.74% to 14.24% for Visa Platinum Cash Rewards) to the Prime Rate.
**APR = Annual Percentage Rate. The Introductory Balance Transfer APR is 4.99% for Visa Platinum and Visa Platinum Secured (or 3.99% APR for the Visa Platinum Cash Rewards) on new accounts within 60 days of the approval for the first 12 billing cycles of the Account, thereafter 12.49% to 18.00% (14.49% to 18.00% for Visa Platinum Cash Rewards), only applies to balance transfers from other financial institutions. Rates are subject to change.
***The Introductory Balance Transfer APR is 3.99% for the Educator's Rewards Platinum Visa on new accounts within 60 days of the approval for the first 12 billing cycles of the Account, thereafter 12.49% to 18.00%, only applies to balance transfers from other financial institutions. Rates are subject to change.
†APR = Annual Percentage Rate. Certain terms, conditions and exclusions apply. Conditions and credit approval apply. Rates are based on individual credit history and other factors. Actual rates may vary. Proof of Public, Charter School, Private School, College or University employment required. Retired Broward Schools Educators are eligible. Balances on existing BrightStar Credit Cards may not be transferred at this special promotional rate. Membership eligibility required. Paycheck stub or school ID required. Federally insured by NCUA.
††APR = Annual Percentage Rate. The Promotional Balance Transfer APR for the first 12 billing cycles is 3.99%. Transfers and cash advances are subject to finance charges as of the date the transfer is posted to your Business Elite Rewards Account. Transfers will NOT be initiated in excess of your credit limit. Balance transfer must occur within the first 60 days of account opening. You may not use balance transfers to pay off existing BrightStar CU loans or lines of credit. All rates displayed are subject to change without notice.
Ready for a Better Credit Card?
Low rates, no annual fees, and real rewards. Apply today and see why members love BrightStar credit cards.