Last Updated: 07/28/2025
BayPort Credit Union Platinum Preferred Mastercard®
Unaffiliated
in Credit Cards from BayPort Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.99% - 20.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.99% - 20.49%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
BayPort Credit Union Platinum Preferred Mastercard® Review
This is a 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.
Key Takeaways
- APRs: BayPort Credit Union Platinum Preferred Mastercard® has a variable regular purchase APR that ranges from 10.99% up to 20.49%.
- 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 up to 1.1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of BayPort Credit Union Platinum Preferred Mastercard®
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.BayPort Credit Union Platinum Preferred Mastercard® has a variable purchase APR that ranges from 10.99% up to 20.49%. The card has a variable balance transfer APR that ranges from 10.99% up to 20.49%. It also has a variable cash advance APR that ranges from 10.99% up to 20.49%.
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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 10.99% - 20.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 3.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for BayPort Credit Union Platinum Preferred Mastercard® 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.
What is the login page for BayPort Credit Union Platinum Preferred Mastercard®?
You can access the login page of BayPort Credit Union Platinum Preferred Mastercard® here.
How do people rate the customer service and user experience of BayPort Credit Union Platinum Preferred Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does BayPort Credit Union Platinum Preferred Mastercard® report your account activity to credit bureaus?
Yes, BayPort Credit Union Platinum Preferred Mastercard® reports to the following credit bureaus:
- 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 build your credit.
Does BayPort Credit Union perform a hard credit pull?
Yes, BayPort Credit Union Platinum Preferred Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for BayPort Credit Union Platinum Preferred Mastercard®
- Visit the website of BayPort Credit Union Platinum Preferred Mastercard®.
- 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.
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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 - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 6:00PM
Saturday
Closed