Bethpage Mastercard Cash Back Credit Card
- Annual fee
- None
- Recommended credit
- Fair
- Card network
- Mastercard
- Intro purchase APR
- 2.99% to 4.99% for 12 months from account opening date
At a glance
The Bethpage Mastercard Cash Back Credit Card is this credit union’s only credit card option that provides cardholders with cash back for each purchase that they make. Cardholders also benefit from no annual fee in addition to no balance transfer fees and no fees on foreign transactions. Keep reading for more information on this card’s features.
Our review of the Bethpage Mastercard Cash Back Credit Card
The Bethpage Mastercard Cash Back is a top choice for Bethpage Financial Credit Union customers seeking to earn cash back on their purchases. With no annual fee, foreign transaction fees, or balance transfer fees, this credit card offers great value. Plus, cardholders can take advantage of a low introductory APR.
Earn Cash Back on All Your Purchases
With the Cash Back Mastercard, cardholders can earn cash back on all their purchases. Bethpage calculates total monthly purchases and rewards cardholders with 0.50% cash back on purchases between $1.00 and $4,000. Spending over $4,000 in a month earns cardholders 1% cash back. However, cash back is only distributed once a year in November, which may not suit those who prefer more immediate rewards.
No Fees Means More Savings
The Bethpage Mastercard Cash Back has no annual fee, balance transfer fees, or foreign transaction fees, making it a cost-effective choice. This is particularly beneficial for travelers who can use their card internationally without worrying about extra charges.
Enjoy a Low Introductory APR
New cardholders can take advantage of a low introductory APR for the first 12 months, making this card ideal for balance transfers or large purchases. The APR is up to 20 percentage points lower than the regular rate and applies to purchases, balance transfers, and convenience checks.
Is the Bethpage Mastercard Cash Back Credit Card Right for You?
If you’re looking to earn cash back on your purchases and can wait for annual disbursement, the Bethpage Cash Back Mastercard is a solid choice. However, if you prefer more flexible rewards options, you may want to explore other issuers. This card is also great for those looking to pay off a balance from a higher interest card or make large purchases to be paid off within the 12-month promotional period. Just be sure to pay off the balance in full before the promotional period ends to avoid higher interest rates.
Explore other Bethpage FCU card offers to find the best fit for your financial need
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 0.50% cash back on month-end purchase balances between $1.00 and $4,000
- Earn 1% cash back on net purchases over $4,000
- No annual fee
- No balance transfer fee
Who this card may suit
- You want to earn cash back whenever you use your credit card
- You don’t want to pay an annual fee
- You don’t want to pay fees for cash advances and foreign transactions
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 2.99% to 4.99% for 12 months from account opening date |
| Regular Purchase APR | 6.15% to 18% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 2.99% to 4.99% for 12 months from account opening date |
| Balance Transfer APR | 16.15% to 18% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 16.15% to 18% variable based on creditworthiness and the Prime Rate |
| Cash Advance Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Penalty APR | 18% |
| Late Payment Penalty Fee | Up to $25 |
| Return Payment Penalty Fee | Up 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 Cash Back Credit Card
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