BayPort Credit Union Platinum Preferred Mastercard®
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| Purchase APR (Variable APR) |
10.99% - 20.49% (Verified 12/02/2022) |
| Balance Transfer APR (Variable APR) |
10.99% - 20.49% (Verified 12/02/2022) |
| 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
- Competitive APRs. BayPort Credit Union Platinum Preferred Mastercard® has a variable 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 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 |
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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.
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. 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 up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 0% |
| Balance Transfer Introductory APR | 3.99% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 10.99% - 20.49% |
| 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:
| 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.
What is the BayPort Credit Union Platinum Preferred Mastercard® login page?
You can access the BayPort Credit Union Platinum Preferred Mastercard® login page 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 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.
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
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- 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 |
| 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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