If you are someone with excellent credit and you want to be rewarded for that, then you should look at the BayPort Credit Union MasterCard Gold. This card is designed for people with a great credit score who want a high credit limit on their credit card.
Use the free credit card chaser tool for a comparison of online credit cards!
This is not a bad credit credit card, nor is it a credit card that is designed for people with less than perfect credit. If you have problems on your credit report, then it is unlikely that you will qualify for this card. You can see what criteria creditors look at for providing credit on the Federal Reserve.
Overview of the BayPort Credit Union MasterCard Gold
This rewards credit card offers you one point for every $1 that you spend on your card. Redemption is limited to merchandise or travel; no gift card or cash back options are available.
This card offers benefits that include:
- Discounts on merchandise
- Discounts on travel
- Discounts on hotel stays
- Travel insurance
- Rental car insurance
- Accident assistance
There is an introductory APR of 4.99% on all balance transfers made within the first 30 days after card activation. The APR lasts for six months, which is the minimum allowable by law and then the rate will become the same as your APR for purchases.
BayPort Credit Union MasterCard Gold Terms
The terms for this card include:
- No ATM fee
- No annual fee
- No penalty APR
- No cash advance fee
- No balance transfer fee
- 1% foreign transaction fee
- Variable APR of 9.5% to 12.99% for cash advances, balance transfers, and purchases
Verdict on the BayPort Credit Union MasterCard Gold
The terms for this card are exceptional. There aren’t many cards that offer so few fees. It is important to read the three pages of additional terms associated with this card that discusses your obligations to BayPort as well as when they are able to close your credit account.
This card isn’t for those of you with any credit problems. You will have to seek other alternatives.
Compare credit cards and their options online with the free credit card chaser tool at the top of this page!
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