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Bellwether Smart Rewards Card review

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A no-annual-fee card with an underwhelming rewards rate.

  • Get this card if you want to earn flat rewards on all purchases and make balance transfers.
  • Pick something else if you want to earn higher rewards rates.
  • Apply with a good credit score of 670 or higher for best chances of approval.


Points as welcome offer

Up to 1.5x



Annual fee


Intro purchase APR

for the first 12 months (then 10.99% to 20.99% variable)


Product NameBellwether Smart Rewards Card
Card typeVisa
Annual fee$0
Purchase APR2.99% intro for the first 12 months (then 10.99% to 20.99% variable)
Balance transfer APR0% intro for the first 12 billing cycles (then 10.99% to 20.99% variable)
Cash advance rate10.99% to 20.99% fixed
Cash advance fee$4 or 10% of the cash advance amount, whichever is greater
Penalty APR24.99% fixed
Foreign transaction fee2% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $35
Returned payment feeUp to $27

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Bellwether Smart Rewards Card is a no-annual-fee card with a flat 1.5x points on all purchases. This rewards rate isn’t necessarily bad — after all, you do earn rewards on your purchases — but it fails to keep up with the competition. For example, with the revamped Chase Freedom Unlimited® Card, you can earn 3x and 5x points on select categories and 1.5x points on all other purchases.

The only valuable feature the Bellwether Smart Rewards Card offers is the long 0% intro APR on balance transfers. But unless you intend to move a balance on to this card, there’s not much value you can get rewards-wise.

With a good credit score or higher, you’re likely to score better rewards with other credit cards.

How to apply for the Bellwether Smart Rewards Card

Applying for the card is simple. Here’s how:

  1. Visit the BCCU website.
  2. Click Borrow at the top menu and select Bellwether VISA Cards.
  3. Find the Smart Rewards Card and click Apply now.
  4. Fill out the application form.
  5. Review the application and submit.

What credit score do I need?

For best chances of approval, apply with a good credit score of 670 or higher.

Bellwether Smart Rewards Card benefits

  • Rewards. Earn 1.5x points on all purchases. Redeem points for travel, merchandise, and gifts.
  • Signup bonus. Earn 5,000 bonus points after you spend $1,000 in your first 90 days of account opening.
  • Intro APR period on purchases. Get a 2.99% intro APR period on purchases during your first 12 months of card membership. A variable APR of 10.99% to 20.99% applies thereafter.
  • Intro APR period on balance transfers. Get 12 billing cycles of 0% intro APR period on balance transfers. A variable 10.99% to 20.99% applies after that.
  • No annual fee. You won’t pay an annual fee for the card.

What to watch out for

  • Balance transfer fees. Even though Bellwether advertises a $0 balance transfer fee for this card, the small print says there’s only no balance transfer fee after the 0% intro APR period has ended. During the 0% intro APR promotional period, you’ll pay a 4% balance transfer fee.
  • Foreign transaction fees. There’s a 2% foreign transaction fee for purchases made abroad or online with foreign merchants.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
$200 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.

Compare up to 4 providers

Bottom line

The Bellwether Smart Rewards Card offers a flat rewards rate of 1.5x points on all purchases and it can help you consolidate your debt with a 0% balance transfer offer. However, the rewards rate and the balance transfer intro APR period length aren’t that impressive.

For example, with the Citi® Double Cash Card, you can earn 2% cash back on all purchases — 1% back when you make the purchase and 1% back when you pay your balance — plus you get a longer balance transfer intro APR period.

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