
BayPort Credit Union Mastercard® Platinum Preferred
in Personal Credit Cards from BayPort Credit Union
UnaffiliatedBayPort Credit Union Mastercard® Platinum Preferred
in Personal Credit Cards from BayPort Credit Union
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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 Mastercard® Platinum Preferred Review
BayPort Credit Union Mastercard® Platinum Preferred is a credit card issued by BayPort Credit Union. If you're wondering whether BayPort Credit Union Mastercard® Platinum Preferred is the right card for you, read on. This is everything you need to know to make a good choice.
- Competitive APRs. BayPort Credit Union Mastercard® Platinum Preferred 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 1.10% 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 stand a chance of qualifying if your credit score is not below 600.
The Good | The Bad |
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Is there a BayPort Credit Union Mastercard® Platinum Preferred cash back or rewards program?
No, BayPort Credit Union Mastercard® Platinum Preferred does not offer a rewards program.
What are the BayPort Credit Union Mastercard® Platinum Preferred benefits?
BayPort Credit Union Mastercard® Platinum Preferred 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 Mastercard® Platinum Preferred?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. BayPort Credit Union Mastercard® Platinum Preferred has lower than average purchase APRs.BayPort Credit Union Mastercard® Platinum Preferred 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 Mastercard® Platinum Preferred have an introductory APR offer on balance transfers?
Yes, BayPort Credit Union Mastercard® Platinum Preferred offers an introductory APR rate on balance transfers of 3.99% for a period of up to 12 months.
Description | |
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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 Mastercard® Platinum Preferred have an introductory APR offer on new purchases?
BayPort Credit Union Mastercard® Platinum Preferred does not offer an introductory rate on new purchases.Description |
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What are the fees for BayPort Credit Union Mastercard® Platinum Preferred?
The following fees apply to BayPort Credit Union Mastercard® Platinum Preferred:
Fees | Amount |
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Annual Fee | $0 |
Foreign Transaction Fee | 1.10% |
Returned Payment Fee | up to $20.00 |
Late Payment Fee | up to $20.00 |
Does BayPort Credit Union Mastercard® Platinum Preferred have a foreign transaction fee?
BayPort Credit Union Mastercard® Platinum Preferred charges a foreign transaction fee of 1.10%. 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 a foreign transaction fee.Does BayPort Credit Union Mastercard® Platinum Preferred report your account activity to credit bureaus?
Yes, BayPort Credit Union Mastercard® Platinum Preferred 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 Preferred
- Visit the BayPort Credit Union Mastercard® Platinum Preferred 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 - Visit Site
Other Services by BayPort Credit Union

Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- 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 | 1.10% |
Returned Payment Fee | Up to $20.00 |
Late Fee Amount | Up to $20.00 |
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