Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card Review

This is a rewards credit card issued by Bethpage Federal Credit Union. If you're wondering whether Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card 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.

• Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
• Signup bonus. Offers a signup bonus of 25000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card has a variable purchase APR that ranges from 11.15% up to 22.15%.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval oods if your credit score is above650.

The Good	The Bad
Lower than average purchase APRs. Extended warranty on purchases. Identity Theft Protection. No foreign transaction fee. Cardholders can earn rewards on their purchases. Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card reports to multiple credit bureaus.	Charges an annual fee of $95

Does Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card have a cash back or rewards program?

Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card is a rewards card.

Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card Rewards

Minimum rewards rate	2x
Max rewards rate	3x
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	25000
Signup Bonus Spend Requirement	$3000
Signup Bonus Spend Period (months)	3 months

What are the Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card benefits?

It provides the following benefits:

• Extended Warranty Protection
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card?

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 11.15% up to 22.15%. The card has a variable balance transfer APR that ranges from 11.15% up to 22.15%. It also has a variable cash advance APR that ranges from 11.15% up to 22.15%. Note that late payments are subject to an APR of 22.15% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card?

The following fees apply:

• There is no overlimit fee

Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card Fees

Fees	Amount
Annual Fee	$95
Overlimit Fee	$0
Foreign Transaction Fee	0%
Late Payment Fee	$25

Does Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card report your account activity to credit bureaus?

Yes, Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card 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 Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card

• Visit the Bethpage Federal Credit Union Mastercard® Be You Rewards Credit Card 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.