Baxter Credit Union Travel Rewards+ Visa®
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. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Travel
- Effective value
- 5%
- Annual fee
- $95
Madeen may earn compensation from some apply links. Affiliate disclosure
Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
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 1,546 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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 1,546 cards we track in that category.
| 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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.
Does the Baxter Credit Union Travel Rewards+ Visa have an annual fee, and what's the welcome bonus?
The Baxter Credit Union Travel Rewards+ Visa has an annual fee of $95 and a foreign transaction fee of None. New applicants may see: 50,000 Bonus Points After $4,000 in Spend During First 90 Days. Confirm current issuer terms before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
- Signup bonus
- 50,000 Bonus Points After $4,000 in Spend During First 90 Days
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Trusted traveler creditt reimbursed up to $120 for TSA PreCheck® or Global Entry fees.
What benefits come with the Baxter Credit Union Travel Rewards+ Visa?
- 20,000 Annual Bonus Points
Earn extra points when you spend $50,000 each year.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Dovly Uplift™Included with Visa Signature®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- FREE Credit Monitoring
With SavvyMoney®, track your credit score and receive notifications regarding changes to your credit report.
- Global Entry Statement CreditIncluded with Visa Signature®
Apply 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.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy 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.
- OpenTableIncluded with Visa Signature®
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Priority Pass airport lounge accessIncluded with Visa Signature®
Enjoy access to over 1,700 airport lounges and experiences around the globe.
Common questions about the Baxter Credit Union Travel Rewards+ Visa
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Baxter Credit Union Travel Rewards+ Visa charge foreign transaction fees?
The Baxter Credit Union Travel Rewards+ Visa does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Baxter Credit Union Travel Rewards+ Visa welcome bonus?
The Baxter Credit Union Travel Rewards+ Visa welcome offer in our snapshot: 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Baxter Credit Union Travel Rewards+ Visa annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in travel and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Baxter Credit Union Travel Rewards+ Visa?
Madeen's catalog lists a typical credit range of Good for the Baxter Credit Union Travel Rewards+ Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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 |
Related Madeen guides
Related cards
Issuer links
Madeen may earn compensation from some apply links. Compensation may affect which offers are available, but it does not control recommendations for cards you have already added to your wallet. Affiliate disclosure
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.