The Baybank is a personal credit card from Baybank. Application typically pulls a hard report from TransUnion. The annual fee is Annual Membership Fee None. The ongoing APR is 17.49% to 28.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms accurate as of 10/2026) after a Zero+: 0% introductory APR for the first 21 billing cycles; balance transfers: Zero+: 0% introductory APR for the first 21 billing cycles for balances transferred within 651 days from account opening (terms accurate as of 10/2026) introductory rate. Rewards: 4% cash back on prepaid travel booked directly in the Travel Center when you use your card.