Consumer
Credit Cards

Consumer Credit Cards

Introducing the credit card that gives you more.

As your community bank, BayCoast Bank is always looking to give you more of what you’re looking for— Our new credit card options do just that. Whether you are looking to earn cash back rewards or lower your APR, we have a card that is right for you.

long with the recognition of the Mastercard^® brand, you’ll be carrying a card from a local bank you know and trust. Let us help you find the credit card that best suits your needs!

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Card Features

Our credit card products offer several valuable benefits for enhanced security and protection. Each credit card offers these great Mastercard® Platinum benefits:

Zero Liability Protection

Cardholder is not responsible in the event that someone makes unauthorized purchases with their card

Mastercard® ID Theft Protection™

ID Theft Resolution assistance with credit bureau notification should cardholder become the victim of Identity Theft

24/7 Cardholder Assistance

Assistance anytime, anywhere with your card-related questions

Secure Contactless Payments

Apple Pay®, Samsung Pay® and Google Pay® offer contactless payment technology on supported devices

Choose the credit card that’s right for you

We are proud to offer you several types of credit card options that feature low APRs and the local, friendly service you have come to expect from us.

Platinum

Take advantage of a lower Annual Percentage Rate (APR) for anyone that carries a balance.

Intro Offer: 0% Intro APR on purchases and balance transfers for 6 months. Terms and Conditions

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Card Features

Features:
• 24/7 customer service
• Zero liability protection
• Mastercard ID Theft Protection™
• Mastercard Global Service®
• Multiple payment options, including automatic debit, in a branch, or by mail

Purchase APR: Prime + 5.74% to Prime + 13.74% based on credit score.

APR for Cash Advances: 21.00%

Annual Fee: $0

Balance Transfer Fees: $10 or 3% of the amount of each transfer, which ever is greater.

Cash Advance Fee: $10 or 4% of the amount of each cash advance, which ever is greater.

Foreign Transaction Fee: 1.5% of each transaction in U.S. dollars.

Late Payment Fee: Up to $35

Return Payment Fee: Up to $35

Overlimit Fee: None

Terms and Conditions

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low rate Platinum

Our lowest variable Annual Percentage Rate (APR) card is an option for those who may carry a balance from month to month. This is the perfect card to help you simplify your finances by consolidating balances.

Intro Offer: No balance transfer fee for six months. After that, a balance transfer fee of 1% or $10, whichever is greater, will be assessed for each balance transfer. Terms and Conditions

Click Here to View All Card Features

Card Features

Features:
• 24/7 customer service
• Zero liability protection
• Mastercard ID Theft Protection™
• Mastercard Global Service®
• Multiple payment options, including automatic debit, in a branch, or by mail

Purchase APR: Prime + 2.99%

APR for Cash Advances: 23.99%

Annual Fee: $99

Balance Transfer Fees: 0% Balance Transfer Fee for six months. After that, either $10 or 1% of the amount of each transfer, which ever is greater.

Cash Advance Fee: $10 or 4% of the amount of each cash advance, which ever is greater.

Foreign Transaction Fee: 1.5% of each transaction in U.S. dollars.

Late Payment Fee: None

Return Payment Fee: Up to $35

Overlimit Fee: None

Terms and Conditions

Apply Now

Platinum Rewards

Get rewarded for every dollar you spend by earning 1% cash back on everyday spending that can be used for statement credits or a direct deposit into your checking account.¹ You’ll enjoy all the benefits of our other Platinum cards and there is no limit to your cash back earnings.

Intro Offer: Earn a $50 additional cash back bonus once you spend $1,000 in the first three months.² Terms & Conditions

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Card Features

Features:
• 1% cash back on purchases¹
• 24/7 customer service
• Zero liability protection
• Mastercard ID Theft Protection™
• Mastercard Global Service®
• Multiple payment options, including automatic debit, in a branch, or by mail

Purchase APR: Prime + 9.74% to Prime + 15.74% based on credit score.

APR for Cash Advances: 21.00%

Annual Fee: None

Balance Transfer Fees: $10 or 3% of the amount of each transfer, which ever is greater.

Cash Advance Fee: $10 or 4% of the amount of each cash advance, which ever is greater.

Foreign Transaction Fee: 1.5% of each transaction in U.S. dollars.

Late Payment Fee: Up to $35

Return Payment Fee: Up to $35

Overlimit Fee: None

Terms and Conditions

Apply Now

Platinum Secured Card

Do you need help establishing or improving your credit? Do you rely on cash, prepaid cards, or even debit cards? Those types of payments are not reported to the three main credit bureaus, Equifax, Experian, and TransUnion, and therefore have no positive impact on your credit.

How Does a Secured Credit Card Work?

There’s one major difference between a secured card versus a traditional credit card. With a secured card, you pay a deposit upfront. Remember, paying your balance in full each month before your due date will not only help you avoid interest charges but assist you on your credit-building journey, because your timely payments will be reported to the major credit bureaus.

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Card Features

Card Features:
• No annual or hidden fees
• Minimum deposit required, no maximum deposit limit
• Credit limit secured by a security deposit
• Monthly credit reporting to credit bureaus to help you build or rebuild credit
• Real-time account access to view balance, transactions, statements and payments
• Set up real-time spend alerts and controls
• Additional cards available for authorized users at no cost
• Multiple payment options including automatic debit, in branch, or by mail

Additional Benefits:
• 24/7 customer service
• Zero liability protection
• Mastercard ID Theft Protection™
• Mastercard Global Service®
• Multiple payment options, including automatic debit, in a branch, or by mail

Purchase APR: 23.49% (This APR will vary with the market based on the Prime Rate)

APR for Cash Advances: 23.99%

Annual Fee: None

Balance Transfer Fees: $10 or 3% of the amount of each transfer, whichever is greater.

Cash Advance Fee: $10 or 4% of the amount of each cash advance, whichever is greater.

Foreign Transaction Fee: 1.5% of each transaction in U.S. dollars.

Late Payment Fee: $25

Return Payment Fee: $25

Overlimit Fee: None

A BayCoast Bank savings account is required prior to submitting an application.

Terms and Conditions

Visit a Branch to Apply Today

Mastercard World

Open the door to the exciting world of fine dining, luxurious spas, high-end shopping experiences, live performing arts events, and more with the World Mastercard. You will earn 1% cash back on all purchases, 2% for gasoline purchases and 3% for dining and travel purchases like airfare, hotel and car rental.³

Intro Offer: Earn an additional $500 cash back when you spend $5,000 within the first three months after account opening.² Terms & Conditions

Click Here to View All Card Features

Card Features

Features:
• Earn 3% cash back on travel and dining purchases, 2% cash back on gas, and 1% cash back per dollar spent on all other purchases³
• 24/7 customer service
• Zero liability protection
• Mastercard ID Theft Protection™
• Mastercard Global Service®
• Multiple payment options, including automatic debit, in a branch, or by mail

Purchase APR: Prime + 9.74% to Prime + 16.74% based on credit score.

APR for Cash Advances: 23.99%

Annual Fee: $0 for the first year, then $95

Balance Transfer Fees: $10 or 3% of the amount of each transfer, which ever is greater.

Cash Advance Fee: $10 or 4% of the amount of each cash advance, which ever is greater.

Foreign Transaction Fee: None

Late Payment Fee: Up to $35

Return Payment Fee: Up to $35

Overlimit Fee: None

Terms and Conditions

Apply Now

Versatility, Reliability, and Convenience

The right credit card can make all the difference. Apply today!

We are proud to offer credit card options that are convenient, reward your loyalty, and enable purchasing power. Visit one of our convenient locations or call us to learn more about our credit cards.

All credit cards subject to credit approval. Ask for details.

“Mastercard” and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to Benefits for specific benefit configuration.

1. For details on Rewards Program, please visit https://baycoastbank.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.

2. Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on Rewards Program, please visit https://baycoastbank.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.

3. We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back, as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.

Apple Pay® is a registered trademark of Apple, Inc. Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd. Google Pay® is a registered trademark of Google LLC.