Credit union · NCUA insured
BrightStar Credit Union Credit Card Rates
BrightStar Credit Union credit cards start at 12.49% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How BrightStar Credit Union’s credit card rates compare
Compared with banks and credit unions near Miami, FL, where BrightStar Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
BrightStar Credit Union
12.49%APR
- Up to
- 18.00% APR
Educator Rewards Visa Platinum Card
Lowest rate
Hialeah Municipal Employees Federal Credit Union
7.99%APR
- Up to
- —
2nd-lowest rate
First Choice Credit Union
8.75%APR
- Up to
- —
BrightStar Credit Union credit card score
70
Credit card score
Higher than 27% of U.S. banks and credit unions
- Purchase APRPurchase APR12.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BrightStar Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Educator Rewards Visa Platinum Card
Available to employees and retirees of any public, charter school, private school, college, or university (paycheck stub or school ID required). Retired Broward Schools Educators are eligible. Credit limits up to $50,000. No annual fee and no balance transfer fee. No penalty rates. Travel benefits included.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49%–18.00% | None | Standard ongoing variable APR on purchases, balance transfers, and cash advances based on creditworthiness. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR on purchases for the first 12 months. After the intro period, standard variable APR of 12.49% to 18.00% applies based on creditworthiness. |
| Intro, 12 months | 3.99% | None | Introductory 3.99% APR on balance transfers for the first 12 billing cycles (or 12 months) on new accounts for transfers initiated within 60 days of approval/account opening from other financial institutions. After that, standard variable APR of 12.49% to 18.00% applies. |
Sources (4)
- bscu.org/credit-cards
- bscu.org/educator-rewards-credit-card
- bscu.org/our-rates
- bscu.org/consumer-schedule-of-fees
All captured Oct 5, 2026
Visa Platinum Card
Rates are variable and based on the Prime Rate plus a margin of 5.74% to 13.24%, determined by creditworthiness; APR for purchases, cash advances and balance transfers can change every January and July. Credit limits up to $50,000. No annual fee and no balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49%–18.00% | None | Standard ongoing variable APR on purchases, cash advances, and balance transfers based on creditworthiness (Prime Rate + 5.74% to 13.24% margin). |
| Intro, 6 months | 0.00% | None | Introductory 0% APR on purchases for the first 6 months. After intro: as low as 12.49% APR. |
| Intro, 12 months | 4.99% | None | Introductory 4.99% APR on balance transfers for the first 12 billing cycles on new accounts within 60 days of approval, thereafter 12.49% to 18.00%; applies only to balance transfers from other financial institutions. |
Sources (3)
All captured Oct 5, 2026
Visa Platinum Cash Rewards Card
Membership eligibility required. Variable APR based on Prime Rate plus margin (7.74% to 14.24%), determined by creditworthiness and changing every January and July. Credit limits up to $50,000. No annual fee and no balance transfer fee. Earns 1.5% cash back rewards on all purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.49%–18.00% | None | Standard ongoing variable APR on purchases, balance transfers, and cash advances based on creditworthiness (Prime Rate + 7.74% to 14.24% margin). |
| Intro, 6 months | 0.00% | None | Introductory 0% APR on purchases for the first 6 months on new accounts. After intro: standard variable APR as low as 14.49% to 18.00% APR. |
| Intro, 12 months | 3.99% | None | Introductory 3.99% APR on balance transfers on new accounts within 60 days of approval for the first 12 billing cycles (or 12 months), thereafter 14.49% to 18.00%; only applies to balance transfers from other financial institutions. |
Sources (3)
All captured Oct 5, 2026
Who can join BrightStar Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.