Bethpage Mastercard® Low Rate Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Intro purchase APR
- 2.99% to 4.99% for 12 months from account opening date
At a glance
The Bethpage Mastercard® Low Rate Credit Card offers an extremely low introductory interest rate for the first 12 months after a cardholder has opened his or her account. The regular APR is also potentially low for cardholders with good credit histories. Additionally, cardholders benefit from zero annual fees, balance transfer fees, and foreign transaction fees. Read more to learn about this card’s attractive features.
Our review of the Bethpage Mastercard® Low Rate Credit Card
Are you in search of a credit card with a low introductory APR and no annual fees? Look no further than Bethpage Federal Credit Union’s Low Rate Mastercard. This credit card is perfect for those looking to save money on balance transfers or large purchases. With zero foreign transaction fees and balance transfer fees, this card is a great choice for savvy consumers.
The Lowest APR Available
Bethpage’s Low Rate Mastercard offers cardholders the lowest interest rate among their credit card options. With APR starting as low as 9.90%, depending on creditworthiness, this card is a great option for those with good credit. However, the APR can go up to 23.90%, so it may not be the best choice for those with a less-than-perfect credit history. The only way to know for sure what APR you qualify for is to apply for the card.
Low Introductory APR for Everyone
Even if you don’t qualify for the lowest regular interest rate, the Low Rate Mastercard offers a competitive introductory APR for the first 12 months. This special rate applies to purchases, balance transfers, and even convenience checks. This makes the card great for paying off high-interest balances or making large purchases, such as furnishing a home.
Keep More of Your Money with No Fees
One of the best features of the Bethpage Low Rate Mastercard is the lack of annual fees and balance transfer fees. This means you can take advantage of the introductory APR to transfer balances from higher-interest cards without any extra costs. Additionally, there are no foreign transaction fees, making this card great for international shopping.
Should You Apply for the Bethpage Mastercard® Low Rate Credit Card?
If you have good credit and are looking to save money on interest, the Bethpage Low Rate Mastercard could be a great choice for you. With a wide range of APR options, you may qualify for a competitive rate. The low introductory APR for the first 12 months makes this card ideal for paying off balances or making large purchases. However, once the introductory period ends, it may be wise to explore other credit card options.
Overall, the Bethpage Low Rate Mastercard is a solid choice for those looking to save on interest and fees. Consider applying for this card if you want a low introductory APR and no annual fees.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Lowest interest rate of any Bethpage credit card
- Introductory APR starting at 2.99% for 12 months
- No balance transfer fees
- No annual fee
Who this card may suit
- You want a competitively low introductory APR on purchases and balance transfers
- You don’t want to pay an annual fee
- You like not having to pay balance transfer fees or foreign transaction fees
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 | 13.15% to 18.00% 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 | 13.15% to 18.00% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 13.15% to 18.00% 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 | 18.00% |
| 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: Excellent Credit Good Credit.
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Bethpage Mastercard® Low Rate Credit Card
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