The Baybank is a business credit card from Baybank. Application typically pulls a credit report from TransUnion. The annual fee is Annual Membership Fee None. The ongoing APR is 17.49% to 26.49% 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 Business Real Rewards: 0% introductory APR for the first 6 billing cycles; balance transfers: Business Real Rewards: 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: 2,500 bonus points (worth up to $25) after your first purchase. Rewards: 5.5X points on prepaid hotels and car rentals booked directly in the Travel Center when you use your card; 1.5X points per $1 spent on all other eligible purchases.