BayPort Credit Union Mastercard® Platinum Rewards Review

BayPort Credit Union Mastercard® Platinum Rewards is a rewards credit card issued by BayPort Credit Union. If you're wondering whether BayPort Credit Union Mastercard® Platinum Rewards is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
• Competitive APRs. BayPort Credit Union Mastercard® Platinum Rewards has a variable purchase APR that ranges from 8.49% up to 17.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. BayPort Credit Union Mastercard® Platinum Rewards 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 1.10% 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 will have good approval oods if your credit score is above650.

The Good

The Bad

Earn 2x ScoreCard® Bonus Points. Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers . 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. Cardholders can earn rewards on purchases everywhere BayPort Credit Union Mastercard® Platinum Rewards is accepted. BayPort Credit Union Mastercard® Platinum Rewards reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1.10%. Charges a 3% balance transfer fee.

Is there a BayPort Credit Union Mastercard® Platinum Rewards cash back or rewards program?

BayPort Credit Union Mastercard® Platinum Rewards offers a rewards program to its customers.

BayPort Credit Union Mastercard® Platinum Rewards Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

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

BayPort Credit Union Mastercard® Platinum Rewards 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 Rewards?

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 Rewards has lower than average purchase APRs.

BayPort Credit Union Mastercard® Platinum Rewards has a variable purchase APR that ranges from 8.49% up to 17.99%. The card has a variable balance transfer APR that ranges from 8.49% up to 17.99%. It also has a variable cash advance APR that ranges from 8.49% up to 17.99%.

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

What are the fees for BayPort Credit Union Mastercard® Platinum Rewards?

The following fees apply to BayPort Credit Union Mastercard® Platinum Rewards:

• There is no overlimit fee

BayPort Credit Union Mastercard® Platinum Rewards Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	1.10%
Returned Payment Fee	up to $20
Late Payment Fee	up to $20

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

Yes, BayPort Credit Union Mastercard® Platinum Rewards 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 Rewards

• Visit the BayPort Credit Union Mastercard® Platinum Rewards 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.