Baxter Credit Union Travel Rewards+ Visa®
Baxter Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Baxter Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Baxter Credit Union Travel Rewards+ Visa® from Baxter Credit Union earns up to 5% effective value on travel in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: 50,000 Bonus Points After $4,000 in Spend During First 90 Days.
- Top category
- Travel
- Effective value
- 5%
- Annual fee
- $95
Best for travel-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in travel and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Baxter Credit Union Travel Rewards+ Visa earn in each category?
Travel is the strongest category at 5% effective value (5x points at about 1 cents each). That travel rate ranks higher than about 100% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how Baxter Credit Union Travel Rewards+ Visa compares across dining, grocery, gas, travel, and other spend. Catalog spend signals.
Travel is the strongest category at 5% effective value (5x points at about 1 cents each). That travel rate ranks higher than about 100% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how Baxter Credit Union Travel Rewards+ Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 1.5x points | 1.5% |
| Travel Flights, hotels, transit | 5x points | 5% Top category |
| Other General everyday spend | 1.5x points | 1.5% |
Madeen values BCU Points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Baxter Credit Union Travel Rewards+ Visa reward caps and conditions?
The Baxter Credit Union Travel Rewards+ Visa has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 5X points on flights, up to $5,000 in annual spend. Then, earn unlimited 1.5X points. Then, earn unlimited 1.5X points. Capped at $5000 per year.
- Earn 3X points on dining, up to $5,000 in annual spend. Then, earn unlimited 1.5X points. Capped at $5000 per year.
- Earn 4X points on hotels and car rentals, up to $5,000 in annual spend. Then, earn unlimited 1.5X points. Capped at $5000 per year.
Who should get the Baxter Credit Union Travel Rewards+ Visa?
The Baxter Credit Union Travel Rewards+ Visa fits spenders who put meaningful volume in travel and can earn 5x points. Best for spenders who put meaningful volume in travel and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Baxter Credit Union Travel Rewards+ Visa fits spenders who put meaningful volume in travel and can earn 5x points. Madeen ranks its travel effective rate higher than about 100% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in travel and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for travel-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is travel at about 5% effective (5x points).
- That travel rate ranks higher than about 100% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- BCU Points value depends on how you redeem, not straight cash back.
What is the Baxter Credit Union Travel Rewards+ Visa welcome bonus?
In Madeen's catalog snapshot, the Baxter Credit Union Travel Rewards+ Visa welcome offer is 50,000 Bonus Points After $4,000 in Spend During First 90 Days. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 50k BCU Points (~$500 estimated)
- Terms (catalog snapshot)
- 50,000 Bonus Points After $4,000 in Spend During First 90 Days
- Minimum spend
- $4,000
- Window
- 90Days
Does the Baxter Credit Union Travel Rewards+ Visa have an annual fee?
The Baxter Credit Union Travel Rewards+ Visa has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What travel perks does the Baxter Credit Union Travel Rewards+ Visa include?
The Baxter Credit Union Travel Rewards+ Visa includes Trusted traveler credit, 20,000 Annual Bonus Points, Booking.com, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
t reimbursed up to $120 for TSA PreCheck® or Global Entry fees.
What benefits come with the Baxter Credit Union Travel Rewards+ Visa?
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
TSA PreCheck® or Global Entry Credit
$120/yrGet reimbursed up to $120 for TSA PreCheck® or Global Entry fees.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
20,000 Annual Bonus Points
$25/yrEarn extra points when you spend $50,000 each year.
FREE Credit Monitoring
$25/yrWith SavvyMoney®, track your credit score and receive notifications regarding changes to your credit report.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Related encyclopedia topics
Common questions about the Baxter Credit Union Travel Rewards+ Visa
Where do cardholders spend most with the Baxter Credit Union Travel Rewards+ Visa?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (5x), lodging (4x), rental cars (4x) for the Baxter Credit Union Travel Rewards+ Visa. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
What is the best credit card for travel rewards with no annual fee?
The Baxter Credit Union Travel Rewards+ Visa carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
How much are 25,000 Bank of America travel points worth?
Travel is the strongest Madeen category for the Baxter Credit Union Travel Rewards+ Visa at about 5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
How to use Visa travel points?
Travel is the strongest Madeen category for the Baxter Credit Union Travel Rewards+ Visa at about 5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Baxter Credit Union Travel Rewards+ Visa have an annual fee?
The Baxter Credit Union Travel Rewards+ Visa carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Baxter Credit Union Travel Rewards+ Visa?
Travel is the strongest Madeen category for the Baxter Credit Union Travel Rewards+ Visa at about 5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
How does the Baxter Credit Union Travel Rewards+ Visa compare to similar cards?
Compare the Baxter Credit Union Travel Rewards+ Visa against Baxter Credit Union Cash Rewards Visa Signature (2% on Dining, $0 fee); Baxter Credit Union Cash Rewards (1.5% on Dining, $0 fee); Baxter Credit Union Cash Rewards Visa Platinum (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Baxter Credit Union Travel Rewards+ Visa This card | Travel | 5% | $95 |
Baxter Credit Union | Dining | 2% | $0 |
Baxter Credit Union | Dining | 1.5% | $0 |
Baxter Credit Union | Dining | 1.5% | $0 |
Baxter Credit Union | Dining | 0% | $0 |
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Baxter Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Baxter Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure