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  Bethpage Federal Credit Union Mastercard® Cash Back Credit Card

Bethpage Federal Credit Union Mastercard® Cash Back Credit Card

in Personal Credit Cards from Bethpage Federal Credit Union

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Bethpage Federal Credit Union Mastercard® Cash Back Credit Card

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in Personal Credit Cards from Bethpage Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 11.15% - 22.15%
Balance Transfer APR  (Variable APR) 11.15% - 22.15%
Credit Score Range 650 - 850
Annual Fee $0

Bethpage Federal Credit Union Mastercard® Cash Back Credit Card Review

This is a cashback credit card issued by Bethpage Federal Credit Union. If you're wondering whether Bethpage Federal Credit Union Mastercard® Cash Back 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.

Key Takeaways
  • Competitive APRs. Bethpage Federal Credit Union 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 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 oods if your credit score is above650.
Pros & Cons of Bethpage Federal Credit Union 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.)
  • 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 Federal Credit Union Mastercard® Cash Back Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
Bethpage Federal Credit Union Mastercard® Cash Back Credit Card FAQ

Does Bethpage Federal Credit Union 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 Federal Credit Union 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 Federal Credit Union 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. 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.

Does Bethpage Federal Credit Union Mastercard® Cash Back Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of up to 12 months.

Bethpage Federal Credit Union Mastercard® Cash Back Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 2.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 11.15% - 22.15%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Bethpage Federal Credit Union Mastercard® Cash Back Credit Card have an intro APR offer on new purchases?

Bethpage Federal Credit Union Mastercard® Cash Back Credit Card Purchase Intro Offer
Description
Introductory Rate 2.99%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 2.99% on qualified purchases for a period of up to 12 months.

What are the fees for Bethpage Federal Credit Union Mastercard® Cash Back Credit Card?

The following fees apply:

  • There is no overlimit fee
Bethpage Federal Credit Union 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 Federal Credit Union Mastercard® Cash Back Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

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

Yes, Bethpage Federal Credit Union 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 Federal Credit Union Mastercard® Cash Back Credit Card

  • Visit the Bethpage Federal Credit Union 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.

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

  • Headquarters
  •   899 S Oyster Bay Rd. Box 127
    Bethpage, NY 11714
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 2:00pm

Other Services by Bethpage Federal Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 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.)
Introductory Rate 2.99%
Purchase Intro APR Period (Variable APR) 12 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $5
Minimum Interest Charge $1
Paper Statement Fee $5
Late Fee Amount $25
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 11.15% - 22.15%
Balance Computation “Average daily balance (including new purchases).”
Credit Limit $500 - $15,000
Penalty APR (Variable APR) 22.15%
Purchase APR (Variable APR) 11.15% - 22.15%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 2.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.15% - 22.15%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
  • Cashback
Card Network Mastercard

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