bcu Rewards Credit Card

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bcu Rewards Credit Card

Balance transfer

N/A

Purchase rate

13.05% p.a. ongoing

Annual fee

$89.00 p.a. ongoing

Highlights

  • Acquire a low variable interest rate of 13.05% p.a. for purchases.
  • Receive 0.66% cash back on every $1 spent on eligible transactions.
  • Take advantage of up to 55 interest-free days.

Pros and cons

Pros

  • Competitive interest rate on purchases.
  • Earn cash back on eligible transactions.
  • Has 24-hour fraud monitoring and supports Visa payWave.

Cons

  • There is no sign-up bonus offer for this card right now.

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The basics

  • Additional cardholders. You can add up to 2 additional cardholders for free, so you can share the account with other family members. The account holder will be responsible for managing the card and repayments associated with it.
  • Digital wallets. This card is not compatible with Apple Pay, Google Pay, or Samsung Pay.
  • Gambling transactions. Gambling transactions are not allowed on this card.

Rewards and benefits

  • Complimentary travel insurance. The bcu Rewards credit card does not provide complimentary international travel insurance.
  • Concierge services. The bcu Rewards credit card does not offer a concierge service.
  • Insurances. This card comes with fraud protection.
  • Rewards points. This card earns cashback instead of rewards points on eligible purchases, which excludes balance transfers and cash advances. Its cashback rate is 0.66% per $1 spent, capped at a comparatively generous $500 maximum per year.
  • Sign-up bonus. There is no sign-up bonus for this card at this time.

Rates and fees

  • Annual fee. The ongoing annual fee for this card is $89.
  • Balance transfers. This card does not have a balance transfer offer.
  • Cash advances. Cash advances made with the bcu Rewards credit card will be charged interest at the rate of 14.8% p.a., with interest beginning to accrue immediately. Any cash advances made with this card will incur a one-off fee.
  • Foreign exchange fee. Transactions made in a foreign currency either online or overseas will incur a 3.65% fee.
  • Interest-free period. With the bcu Rewards credit card, you can get up to 55 days interest-free on all purchases except cash advances if you pay off your balance in full or make the minimum required payment.
  • Purchases. The bcu Rewards credit card does not have an introductory offer for purchases. All purchases will be charged at the ongoing rate of 13.05% p.a.

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Reviewed by Credit Card Compare Staff

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