BayPort Credit Union Mastercard® Platinum Rewards
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| Purchase APR (Variable APR) |
11.49% - 20.99% (Verified 12/02/2022) |
| Balance Transfer APR (Variable APR) |
11.49% - 20.99% (Verified 12/02/2022) |
| 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.
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 11.49% up to 20.99%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.10% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of BayPort Credit Union Mastercard® Platinum Rewards
| The Good | The Bad |
|---|---|
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BayPort Credit Union Mastercard® Platinum Rewards FAQ
Does BayPort Credit Union Mastercard® Platinum Rewards have a cash back or rewards program?
BayPort Credit Union Mastercard® Platinum Rewards is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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. This card has lower than average regular APRs.BayPort Credit Union Mastercard® Platinum Rewards has a variable purchase APR that ranges from 11.49% up to 20.99%. The card has a variable balance transfer APR that ranges from 11.49% up to 20.99%. It also has a variable cash advance APR that ranges from 11.49% up to 20.99%.
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%
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer APR | 11.49% - 20.99% |
| 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
| 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.
What is the BayPort Credit Union Mastercard® Platinum Rewards login page?
You can access the BayPort Credit Union Mastercard® Platinum Rewards login page here.
How do people rate the customer service and user experience of BayPort Credit Union Mastercard® Platinum Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
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
- 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 |
| Foreign Currency Transaction Fee | 1.10% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $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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