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Bethpage Mastercard® Be You Rewards Credit Card card

Bethpage Mastercard® Be You Rewards Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
$95
Recommended credit
Fair
Card network
Mastercard
Regular purchase APR
16.15% to 18.00% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The Bethpage Mastercard® Be You Rewards Credit Card is Bethpage Financial Credit Union’s only rewards card. Card members earn 2 points for every dollar spent. Additionally, Bethpage allows cardholders to choose one category where they can earn 3 points for every dollar they spend. This personalized approach to rewards, along with no fees on balance transfers and foreign transactions, really allows you to “be you.”

Our review of the Bethpage Mastercard® Be You Rewards Credit Card

If you’re looking for a credit card that lets you truly be yourself while earning rewards, the Bethpage Be You Rewards card is worth considering. With customizable rewards categories and no fees on balance transfers or foreign transactions, this card stands out from the crowd. Keep reading to discover more about the unique features of this card.

Rewards That Let You Be You

Unlike many other credit cards, the Be You Mastercard from Bethpage Financial Credit Union allows cardholders to personalize their rewards program. You can choose a category that earns you 3 times the points on purchases, such as airlines, restaurants, groceries, or transportation services. Plus, you’ll earn 2 points for every dollar spent on all other purchases, ensuring that you rack up points no matter where you shop.

Earn 25,000 Bonus Points

New cardholders can earn a generous 25,000 points within the first 3 months of opening a Be You Rewards Mastercard account by spending $3,000 during that time. This promotion translates to over 8 points for every dollar spent, making it a lucrative opportunity to boost your points balance quickly.

No Fees on Select Transactions

While there is a $95 annual fee for the Be You Rewards Card, Bethpage waives certain fees that are common with other credit cards. There are no fees for balance transfers, making it easy to consolidate your debts, and no foreign transaction fees, which is ideal for frequent travelers. These fee waivers set this card apart from others and can save you money in the long run.

Should You Apply for the Bethpage Mastercard® Be You Rewards Credit Card

If you’re seeking a rewards card that you can tailor to your spending habits, the Bethpage Be You Rewards Card is a solid choice. With customizable rewards categories, a generous bonus points offer, and fee waivers on balance transfers and foreign transactions, this card has a lot to offer. However, keep in mind that the value of points is unknown until you become a cardholder, making it challenging to assess the true value of the rewards program.

Ultimately, if you value customization and fee savings, this card could be a great fit for you. Explore other Bethpage credit card options or cards from different issuers to compare before making a decision. Check out other Bethpage FCU card offers to find the best fit for your financial needs.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Earn 25,000 promotional points when you spend $3,000 within 90 days of opening your account
  • 3X points for every $1 spent in one category of your choice
  • 2X points for every $1 spent on all purchases
  • No foreign transaction fees
  • No balance transfer fees

Who this card may suit

  • You want double points on all purchases
  • You like to customize their rewards program
  • You want to earn 25,000 points for spending $3,000 in the first 90 days
  • You don’t want to pay balance transfer fees or foreign transaction fees

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual Fee$95
Regular Purchase APR16.15% to 18.00% variable based on creditworthiness and the Prime Rate
Balance Transfer APR16.15% to 18.00% variable based on creditworthiness and the Prime Rate
Cash Advance APR16.15% to 18.00% variable based on creditworthiness and the Prime Rate
Cash Advance Transaction FeeEither $5 or 3% of the amount of each cash advance, whichever is greater
Penalty APR18.00%
Late Payment Penalty FeeUp to $25
Return Payment Penalty FeeUp to $25

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Fair Credit.

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Bethpage Mastercard® Be You Rewards Credit Card

Apply Now for Bethpage Mastercard® Be You Rewards Credit Card (opens in a new tab)

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