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 16.49% to 25.49% 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 0% introductory APR for the first 18 billing cycles; balance transfers: 0% introductory APR for the first 18 billing cycles for balances transferred within 558 days from account opening (terms accurate as of 10/2026) introductory rate.