Bethpage FCU Mastercard® Cash Back Credit Card

Bethpage FCU Mastercard® Cash Back Credit Card Review

This is a cashback card issued by Bethpage Federal Credit Union. If you're wondering whether Bethpage FCU Mastercard® Cash Back Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Bethpage FCU Mastercard® Cash Back Credit Card has a variable purchase APR that ranges from 11.15% up to 22.15%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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. After the introductory period, the fee is 0%.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Bethpage FCU Mastercard® Cash Back Credit Card

The Good

The Bad

Earn 0.50% cash back on month-end purchase balances between $1.00 and $4,000. (Net purchases over $4,000 earn 1% cash back.) Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.99%. No balance transfer fee. No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. No foreign transaction fee. Bethpage FCU Mastercard® Cash Back Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus.

Bethpage FCU Mastercard® Cash Back Credit Card FAQ

Does Bethpage FCU Mastercard® Cash Back Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Bethpage FCU Mastercard® Cash Back 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 FCU Mastercard® Cash Back 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. This card has lower than average regular APRs.

Bethpage FCU Mastercard® Cash Back Credit Card 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 FCU Mastercard® Cash Back Credit Card?

The following fees apply:

• There is no overlimit fee

Bethpage FCU Mastercard® Cash Back Credit Card Fees

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

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

Does Bethpage FCU Mastercard® Cash Back Credit Card report your account activity to credit bureaus?

Yes, Bethpage FCU Mastercard® Cash Back 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 FCU Mastercard® Cash Back Credit Card

• Visit the Bethpage FCU Mastercard® Cash Back 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.