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  BayPort Credit Union Mastercard® Platinum Rewards

BayPort Credit Union Mastercard® Platinum Rewards

in Personal Credit Cards from BayPort Credit Union

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BayPort Credit Union Mastercard® Platinum Rewards

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in Personal Credit Cards from BayPort Credit Union

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Highlights
Purchase APR  (Variable APR) 8.49% - 17.49%
Balance Transfer APR  (Variable APR) 8.49% - 17.49%
Credit Score Range 650 - 850
Annual Fee $0

BayPort Credit Union Mastercard® Platinum Rewards Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 17.49%.
  • 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.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • 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 odds if your credit score is above 650.
Pros & Cons of BayPort Credit Union Mastercard® Platinum Rewards
The Good The Bad
  • Earn 2x ScoreCard® Bonus Points.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers .
  • 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.
  • Cardholders can earn rewards on their purchases.
  • 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%.
BayPort Credit Union Mastercard® Platinum Rewards FAQ

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

BayPort Credit Union Mastercard® Platinum Rewards is a rewards card.

BayPort Credit Union Mastercard® Platinum Rewards Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does BayPort Credit Union Mastercard® Platinum Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

Does BayPort Credit Union Mastercard® Platinum Rewards offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

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 8.49% up to 17.49%. The card has a variable balance transfer APR that ranges from 8.49% up to 17.49%. It also has a variable cash advance APR that ranges from 8.49% 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 Rewards have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0%

BayPort Credit Union Mastercard® Platinum Rewards Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer APR 8.49% - 17.49%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

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

The following fees apply:

  • 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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

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

BayPort Credit Union Mastercard® Platinum Rewards 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 foreign transaction fees.

What is the customer service phone number for BayPort Credit Union Mastercard® Platinum Rewards?

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

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

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

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.

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
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.10%
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 650 - 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
Cash Advance APR (Variable APR) 8.49% - 17.49%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 8.49% - 17.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 8.49% - 17.49%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Bonus Offers
Card Network Mastercard

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