Bayport Credit Union: A Smarter Way to Bank
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Online Banking Enrollment is easy - here's how:

  • In the Username box, enter your Account #.
  • In the Password box, enter your numeric STAR PIN.

If you do not have a STAR PIN or need assistance,
please contact us.

Credit Cards

BayPort's MasterCard® Platinum credit cards deliver the spending power you need with competitive rates so you can access money anytime. Pick the card that rewards you best for your spending habits without sacrificing benefits. Whether you are looking for cash back, ScoreCard® Points or low rates, BayPort has the right card for you.

  • Overview
  • Rates
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MasterCard® Platinum Cash Back

MasterCard® Platinum Cash Back pays you every time you use it for purchases. It’s like getting a special discount on everything you buy.

  • Receive cash back on purchases
  • No annual fees
  • $1,000,000 Travel Accident Insurance
  • Access to ATMs worldwide

MasterCard® Platinum Rewards

The top-of-the-line MasterCard® Platinum Rewards credit card delivers all the benefits and cachet of the MasterCard® brand while earning points you can redeem for travel and merchandise.

  • Receive ScoreCard® Bonus Points for using your card
  • No annual fees
  • Discounts on travel, auto rentals and more
  • Available as a student and/or secured card
  • Access to ATMs worldwide

MasterCard® Platinum Preferred

If getting the lowest rate on your credit card is a priority, the MasterCard® Platinum Preferred credit card is just right for you. 

  • Receive the lowest rate on your credit card that BayPort has to offer
  • No annual fees
  • Eyewear and Pharmacy Discounts
  • Access to ATMs worldwide
Credit Cards
Rates Effective: May 1, 2015
CardAnnual Percentage Rate (APR) for PurchasesAPR for Balance Transfers & Cash Advances
MasterCard® Platinum Cash Back8.99% - 18.49%*8.99% - 18.49%**
MasterCard® Platinum Rewards8.49% - 17.99%*8.49% - 17.99%**
MasterCard® Platinum Preferred7.99% - 17.49%*7.99% - 17.49%**
***3.99% Introductory rate good for 12 months from new account opening. Balance transfers must be processed within 30 days of account opening to qualify for the introductory rate.
Interest Rates and Interest Charges
Penalty APR and When it Applies None
Paying Interest - applicable to all of the above mentioned credit cards Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay the entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the date of the transaction.
Minimum Interest Charge – applicable to all of the above mentioned credit cards None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Fees - Applicable to all of the credit cards listed in this disclosure
Annual Fee None
Transaction Fees
Balance Transfer Fee None
Cash Advance Fee None
Foreign Transactions 1.10% of each transaction in U.S. dollars.
Penalty Fees
Over the limit fee None
Late Payment fee Up to $20.00 fee assessed if payment is not received 5 days after statement closing.
Return Payment fee Up to $20.00 Non-sufficient funds or items returned for uncollected funds, regardless of reason.
Other Fees
Card Replacement Fee $5.00
*When you open your account, the APR is based on your creditworthiness. After that your APR will vary with the market based on the Prime Rate.

**This APR will vary based on the Prime Rate.

***Introductory Rate on Balance Transfers: If your minimum monthly payment is not received by the statement closing date, the APR for balance transfers will revert back to the standard APR based on your creditworthiness. Cannot be combined with any other offer. Transfer may not include BayPort loan balance.

How we calculated your balance:
We use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Variable Rate Information: Your APR may vary on a MasterCard Platinum Preferred, MasterCard Platinum Rewards, and MasterCard Platinum Cash Back Credit Card. Rates are determined and adjusted annually by adding a margin to the Prime Rate published in the Wall Street Journal on the first business day of July. The margin will range from 4.74% to 15.24%.

Effective Date: The information about costs of the card described in this application is accurate as of May 1, 2015. This information may have changed after that date. To find out what may have changed, contact the credit union at 757-928-8850 or 1-800-928-8801.


MasterCard® Platinum Cash Back

MasterCard® Platinum Rewards

MasterCard® Platinum Preferred

Rates (APR) 8.99% - 18.49% 8.49% - 17.99% 7.99% - 17.49%
Credit Limit $300 - $35,000 $300 - $35,000 $300 - $35,000
Rewards Cash Back* ScoreCard® Bonus Points* Lowest Rate
Minimum Payment 2% - outstanding balance 2% - outstanding balance 1.5% - outstanding balance

Regardless of which BayPort credit card you choose, your will also have access to some great extras:

  • No annual fee
  • Online access
  • $1,000,000 Travel Accident Ins.
  • Eyewear & Pharmacy Discounts
  • Medical Assistance
  • Personal Shopper
  • Lost Key Return
  • Payment Card Registration
  • Travel Reservation Service
  • Travel Dividends
  • Lost Luggage Locator & Insurance
  • Auto Rental Discounts & Insurance
  • Concierge Service
  • Hotel/Motel Burglary Reimbursement
*One ScoreCard Bonus Point or 1% cash back earned for every dollar spent on credit purchases excluding cash advances and balance transfers.