Cash Rewards
Platinum Visa
Platinum
Visa
MasterCard
Secured MasterCard
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Cash Advances
After that, your APR will vary with the market based on the Prime Rate*.
After that, your APR will vary with the market based on the Prime Rate*.
After that, your APR will vary with the market based on the Prime Rate*.
After that, your APR will vary with the market based on the Prime Rate*.
APR for Balance Transfers
0.00% Introductory APR on new accounts within 10 days of the approval, for the first 6 billing cycles of the Account.

After that your APR will be 10.99% to 18.00%. After that, your APR will vary with the market based on the Prime Rate*.
3.99%
Introductory APR on new accounts within 10 days of the approval, for the first 6 billing cycles of the Account.

After that your APR will be 8.99% to 18.00%. After that, your APR will vary with the market based on the Prime Rate*.
3.99%
Introductory APR on new accounts within 10 days of the approval, for the first 6 billing cycles of the Account.

After that your APR will be 8.99% to 18.00%. After that, your APR will vary with the market based on the Prime Rate*.
3.99%
Introductory APR on new accounts within 10 days of the approval, for the first 6 billing cycles of the Account.

After that your APR will be 8.99%. After that, your APR will vary with the market based on the Prime Rate*.
Minimum Interest Charge None
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee None
Transaction Fees

• Balance Transfer Fee

• ATM Cash Advance Fee

• Foreign Transaction Fee




None



$1.00



0.80%
of each single currency transaction in U.S. dollars
1.00%
of each multiple currency transaction in U.S. dollars

Penalty Fees

• Late Payment Fee

• Returned Payment Fee



Up to $25.00



Up to $25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See your account agreement for more details.

*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 11.74% (7.74% to 13.74% for Cash Rewards Platinum Visa) to the Prime Rate. Balance Transfer APR only applies to balance transfers from other financial institutions.

Your ANNUAL PERCENTAGE RATE and your Margin (a) is based on your creditworthiness and your credit score obtained from your consumer report and (b) will be disclosed to you before or at the time the credit card is issued. Conditions and credit approval may apply. Rates are correct as of the effective date shown and are subject to change without notice. Ask a representative for complete details.

Cash Rewards Platinum Visa. If your account is a Cash Rewards Platinum Visa Account you will be entitled to Cash Rewards equal to 1.25% of Qualifying Net Purchases during the calendar year. The maximum Cash Rewards that may be earned for any Account is $600.00 per calendar year.
Cash Rewards will be paid in the form of a credit posted to your primary member savings account with issuer within 60 days after issuer decides to credit such Cash Rewards which will be typically at the beginning of a new calendar year after your year-end credit card statement has been issued. Issuer may modify or terminate the Cash Rewards program at any time in issuer’s sole discretion. For a more detailed description of the Cash Rewards program and a definition of Qualifying Net Purchases see your new credit card agreement and disclosures.

The above information is accurate as of July 1, 2010 and is subject to change. For any change in this information since it was published contact: BrightStar Credit Union P.O. Box 8966
Ft. Lauderdale, FL 33310-8966