Bellwether Community Credit UnionChecked Oct 4, 2026

Smart Rewards Card

5,000 points after you spend $1,000 in 3 months. No annual fee.

Welcome offer: Issuer's pagebccu.org
“Receive 5,000 points for $1,000+ spent in the first 90 days*”
Checked Oct 4, 2026Open on bccu.org Report a problem
Annual fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Foreign transaction fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
Spending	First year	After
Light spender	$230	$180
Typical spender	$500	$450
Heavy spender	$1,040	$990

The spending each assumes, a month

Light spender: groceries $300, dining $100, gas $100, everything else $500
Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

No annual fee, like about 85% of the 626 cards we track.
Worth more to a typical spender than about 85% of the 650 cards we track.
Lower top APR than about 75% of the 128 cards on our Sign-up bonuses list (see the list).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Welcome offer

5,000 points

After you spend $1,000 on purchases in your first 3 months.

Receive the bonus for spending $1,000 or more in the first 90 days; available only to new Bellwether credit card holders and not to members who have had a previous Bellwether credit card.

Spending it takes$333 a monthfor 3 months

Tracking sinceOct 4, 2026history will chart every change

How you earn · Bellwether Smart Rewards

1.5× pointsEverything else

Rates and fees

Rates and fees for the Smart Rewards Card, each with its source
Annual fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem variable
Intro APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem 12 months
Balance transfer APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Balance transfer fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Cash advance APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Foreign transactions	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Grace period	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem

Carrying a balance? See how long it takes to pay off

Benefits

Rewards can be redeemed for travel, merchandise, and more.
24/7 Roadside Assistance through Roadside Dispatch; pay-per-use service with no membership fees or dues.
Visa Zero Liability protection for unauthorized purchases.
Collision and theft coverage for eligible Visa car rentals.
Rental car
Roadside

Questions

What is the annual fee?: None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?: Yes: 2%. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?: 14.99–25.24% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there an intro APR?: 2.99% for 12 months. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?: 5,000 points after $1,000 in purchases in 3 months. bccu.org, since Oct 2, 2026

Other points cards with no annual fee

GM Business MastercardBarclays · No annual fee+$450 a year
GM Rewards MastercardBarclays · No annual fee+$450 a year
CareCredit MastercardSynchrony · No annual fee+$260 a year

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).