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  BayPort Credit Union Mastercard® Platinum Cash Back

BayPort Credit Union Mastercard® Platinum Cash Back

in Personal Credit Cards from BayPort Credit Union

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BayPort Credit Union Mastercard® Platinum Cash Back

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in Personal Credit Cards from BayPort Credit Union

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Highlights
Purchase APR  (Variable APR) 8.99% - 18.49%
Balance Transfer APR  (Variable APR) 8.99% - 18.49%
Credit Score Range 650 - 850
Annual Fee $0

BayPort Credit Union Mastercard® Platinum Cash Back Review

This is a cashback credit card issued by BayPort Credit Union. If you're wondering whether BayPort Credit Union Mastercard® Platinum Cash Back is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
  • Competitive APRs. BayPort Credit Union Mastercard® Platinum Cash Back has a variable purchase APR that ranges from 8.99% up to 18.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. BayPort Credit Union Mastercard® Platinum Cash Back charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of BayPort Credit Union Mastercard® Platinum Cash Back
The Good The Bad
  • Earn 3% cash back on the first $3,000 in new net purchases plus an extra 2% when buying groceries until March 31st. That’s up to $150 cash back!
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers .
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere BayPort Credit Union Mastercard® Platinum Cash Back is accepted.
  • BayPort Credit Union Mastercard® Platinum Cash Back reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.1%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
BayPort Credit Union Mastercard® Platinum Cash Back FAQ

Does BayPort Credit Union Mastercard® Platinum Cash Back have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

BayPort Credit Union Mastercard® Platinum Cash Back Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Up to $150
Signup Bonus Spend Requirement $3000

Does BayPort Credit Union Mastercard® Platinum Cash Back have a signup bonus?

This card doesn't offer a cash signup bonus.

Does BayPort Credit Union Mastercard® Platinum Cash Back offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the BayPort Credit Union Mastercard® Platinum Cash Back benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for BayPort Credit Union Mastercard® Platinum Cash Back?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 8.99% up to 18.49%. The card has a variable balance transfer APR that ranges from 8.99% up to 18.49%. It also has a variable cash advance APR that ranges from 8.99% up to 18.49%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does BayPort Credit Union Mastercard® Platinum Cash Back have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0%

BayPort Credit Union Mastercard® Platinum Cash Back Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer APR 8.99% - 18.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does BayPort Credit Union Mastercard® Platinum Cash Back have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for BayPort Credit Union Mastercard® Platinum Cash Back?

The following fees apply:

  • There is no overlimit fee
BayPort Credit Union Mastercard® Platinum Cash Back Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1.1%
Returned Payment Fee up to $20
Late Payment Fee up to $20

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does BayPort Credit Union Mastercard® Platinum Cash Back have a foreign transaction fee?

BayPort Credit Union Mastercard® Platinum Cash Back charges a foreign transaction fee of 1.1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $22. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for BayPort Credit Union Mastercard® Platinum Cash Back?

The BayPort Credit Union Mastercard® Platinum Cash Back customer service number is (757) 928-8850.

What is the support contact email for BayPort Credit Union Mastercard® Platinum Cash Back?

The support contact email for BayPort Credit Union Mastercard® Platinum Cash Back is bayportdigital@gmail.com.

Does BayPort Credit Union Mastercard® Platinum Cash Back report your account activity to credit bureaus?

Yes, BayPort Credit Union Mastercard® Platinum Cash Back reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for BayPort Credit Union Mastercard® Platinum Cash Back

  • Visit the BayPort Credit Union Mastercard® Platinum Cash Back website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

Other Services by BayPort Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.1%
Returned Payment Fee Up to $20
Late Fee Amount Up to $20
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Rates
  • Groceries
  • Every Purchase
Signup Bonus Up to $150
Cash Advance APR (Variable APR) 8.99% - 18.49%
Balance Computation "average daily balance (including new purchases)."
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 8.99% - 18.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 8.99% - 18.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Cashback
Card Network Mastercard

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