bcu Rewards Credit Card

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.