The Baybank is a business credit card from Baybank. Application typically pulls a credit report from TransUnion. The annual fee is Annual Membership Fee $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees.. The ongoing APR is 18.49% 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). Signup bonus: 20,000 bonus points (worth up to $200) when you spend $500 on the Authorized Officer's card within the first 90 days of account opening. Rewards: 2X points per $1 spent in your top two spend categories each month - automatically; 1X points per $1 spent on all other eligible purchases; 5X points on prepaid hotels and car rentals booked directly in the Travel Center when you use your card.