Last Updated: 04/18/2025
Texas Bay Credit Union MasterCard Business Platinum Rewards Credit Card
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
17.24% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.24% - 18.00%(Verified 06/21/2024)
Annual Fee
$0
Credit Score Range
N/A
Texas Bay Credit Union MasterCard Business Platinum Rewards Credit Card Review
This is a rewards card issued by Texas Bay Credit Union. If you're wondering whether Texas Bay Credit Union MasterCard Business Platinum Rewards Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.24% up to 18.00%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- $0 intro annual fee for the first year. Texas Bay Credit Union MasterCard Business Platinum Rewards Credit Card gives you the chance to have the card for a year without paying the $0.00 annual fee.
- A 4.99% balance transfer fee. Texas Bay Credit Union MasterCard Business Platinum Rewards Credit Card charges a 4.99% balance transfer during the intro period for the first 12 months and after that charges a fee of 4.99% on balance transfers. For example, a balance of $1,000 could cost $49.900000000000006 in transfer fees after the intro period. The minimum fee is $10.00.
Pros & Cons of Texas Bay Credit Union MasterCard Business Platinum Rewards Credit Card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 17.24% up to 18.00% . The card has a variable balance transfer APR that ranges from 17.24% up to 18.00% .
It also has a variable cash advance APR of 18.00%. Note that late payments are subject to an APR of 18.00% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 5.80% for a period of 12 months from account opening.
This business card does offer an introductory APR rate on new purchases of 5.80% for a period of 12 months.
| Purchase APR | 17.24% - 18.00% |
| Balance Transfer APR | 17.24% - 18.00% |
| Cash Advance APR | 18.00% |
| Penalty APR | 18.00% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39.00 .
- A returned payment fee of up to $29.00.
| Fees | Amount |
| Annual Fee | $0.00 |
| Balance Transfer Fee | 4.99% |
| Minimum Balance Transfer Fee | $10.00 |
| Returned Payment Fee | up to $29.00 |
| Late Payment Fee | up to $39.00 |
Does it offer a cash back or rewards program?
Yes, Texas Bay Credit Union MasterCard Business Platinum Rewards Credit Card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM