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  BayPort Credit Union Platinum Preferred  Mastercard®

BayPort Credit Union Platinum Preferred Mastercard®

in Personal Credit Cards from BayPort Credit Union

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BayPort Credit Union Platinum Preferred Mastercard®

Unaffiliated

in Personal Credit Cards from BayPort Credit Union

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Highlights
Purchase APR  (Variable APR) 7.99% - 17.49%
Balance Transfer APR  (Variable APR) 7.99% - 17.49%
Credit Score Range 600 - 850
Annual Fee $0

BayPort Credit Union Platinum Preferred Mastercard® Review

This is a credit card issued by BayPort Credit Union. If you're wondering whether BayPort Credit Union Platinum Preferred Mastercard® 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
  • Competitive APRs. BayPort Credit Union Platinum Preferred Mastercard® has a variable purchase APR that ranges from 7.99% up to 17.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of BayPort Credit Union Platinum Preferred Mastercard®
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3.99%.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • BayPort Credit Union Platinum Preferred Mastercard® reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1.1%.
  • You don't earn rewards on every purchase.
BayPort Credit Union Platinum Preferred Mastercard® FAQ

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

No, it does not offer a rewards program.

What are the BayPort Credit Union Platinum Preferred Mastercard® benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

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

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 7.99% up to 17.49%. The card has a variable balance transfer APR that ranges from 7.99% up to 17.49%. It also has a variable cash advance APR that ranges from 7.99% up to 17.49%.

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

Does BayPort Credit Union Platinum Preferred Mastercard® 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.

BayPort Credit Union Platinum Preferred Mastercard® Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 3.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 7.99% - 17.49%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does BayPort Credit Union Platinum Preferred Mastercard® 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 Platinum Preferred Mastercard®?

The following fees apply:

BayPort Credit Union Platinum Preferred Mastercard® Fees
Fees Amount
Annual 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 card.

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

BayPort Credit Union Platinum Preferred Mastercard® 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 Platinum Preferred Mastercard®?

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

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

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

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

Yes, BayPort Credit Union Platinum Preferred Mastercard® 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 Platinum Preferred Mastercard®

  • Visit the BayPort Credit Union Platinum Preferred Mastercard® 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
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 7.99% - 17.49%
Balance Computation "average daily balance (including new purchases)."
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 7.99% - 17.49%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 3.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 7.99% - 17.49%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
  • Low Interest
Card Network Mastercard

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