The BayPort Credit Union is a personal credit card from BayPort Credit Union. Application typically pulls a hard report from Equifax. The annual fee is NO ANNUAL FEES. The ongoing APR is 13.74–18.00% (purchases; same for balance transfers & cash advances), variable after a 3.99% APR** intro rate for 12 months from account opening on balance transfers from other credit cards made to your BayPort card in the first 30 days. introductory rate. Rewards: Earn 5% cash back.