BayPort Credit Union Mastercard® Platinum Cash Back
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| Purchase APR (Variable APR) |
11.99% - 21.49% (Verified 12/02/2022) |
| Balance Transfer APR (Variable APR) |
11.99% - 21.49% (Verified 12/02/2022) |
| 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.
Key Takeaways
- Competitive APRs. BayPort Credit Union Mastercard® Platinum Cash Back has a variable purchase APR that ranges from 11.99% up to 21.49%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 odds if your credit score is above 650.
Pros & Cons of BayPort Credit Union Mastercard® Platinum Cash Back
| The Good | The Bad |
|---|---|
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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 $10 back in cash.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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. This card has lower than average regular APRs.BayPort Credit Union Mastercard® Platinum Cash Back has a variable purchase APR that ranges from 11.99% up to 21.49%. The card has a variable balance transfer APR that ranges from 11.99% up to 21.49%. It also has a variable cash advance APR that ranges from 11.99% up to 21.49%.
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 3.99% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 3.99% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 11.99% - 21.49% |
| 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
| 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.
What is the BayPort Credit Union Mastercard® Platinum Cash Back login page?
You can access the BayPort Credit Union Mastercard® Platinum Cash Back login page here.
How do people rate the customer service and user experience of BayPort Credit Union Mastercard® Platinum Cash Back?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
One BayPort Way, Suite 350
Newport News, VA 23606 USA - (757) 928-8850
- Visit Site
- Email Support
Other Services by BayPort Credit Union
Availability
- 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 |
| Foreign Currency Transaction Fee | 1.1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $20 |
| Late Fee Amount | Up to $20 |
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