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 Signature Real Rewards: 17.99% to 28.24% based on your creditworthiness when you open your account. Platinum Real Rewards: 17.99% to 28.24% 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 0% introductory APR for the first 6 billing cycles; balance transfers: 0% introductory APR for the first 6 billing cycles for balances transferred within 186 days from account opening (terms accurate as of 10/2026) introductory rate. Signup bonus: Get 2,500 bonus points (worth up to $25) after your first purchase. Rewards: Earn 1.5 points for every $1 you spend on eligible purchases.