Bank · FDIC insured
BayCoast Bank Credit Card Rates
BayCoast Bank credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How BayCoast Bank’s credit card rates compare
Compared with banks and credit unions near Providence, RI-MA, where BayCoast Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
BayCoast Bank
9.99%APR
- Annual fee
- $99
low rate Platinum
Lowest rate
Ocean State Credit Union
8.90%APR
- Annual fee
- None
2nd-lowest rate
Arise Financial
9.90%APR
- Annual fee
- None
BayCoast Bank credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BayCoast Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum
All credit cards subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory offer of 0% APR on purchases and balance transfers for 6 months. |
| Ongoing | 12.74%–20.74% | None | After that, a variable 12.74% to 20.74% APR based on creditworthiness (Purchase APR: Prime + 5.74% to Prime + 13.74% APR based on credit score). |
| Ongoing | 21.00% | None | APR for Cash Advances: 21.00%. Cash Advance Fee: $10 or 4% of the amount of each cash advance, whichever is greater. |
Sources (1)
- baycoast.bank/en/other-services/consumer-credit-cards · captured Oct 15, 2026
Platinum Rewards
All credit cards subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 21.00% | None | APR for Cash Advances: 21.00%. Cash Advance Fee: $10 or 4% of the amount of each cash advance, whichever is greater. |
Sources (1)
- baycoast.bank/en/other-services/consumer-credit-cards · captured Oct 15, 2026
Platinum Secured Card
A BayCoast Bank savings account is required prior to submitting an application. Credit limit secured by a security deposit upfront (minimum deposit required, no maximum deposit limit). All credit cards subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 23.24% | None | Purchase APR: 23.24% (This APR will vary with the market based on the Prime Rate). |
| Ongoing | 23.99% | None | APR for Cash Advances: 23.99%. Cash Advance Fee: $10 or 4% of the amount of each cash advance, whichever is greater. |
Sources (1)
- baycoast.bank/en/other-services/consumer-credit-cards · captured Oct 15, 2026
World
All credit cards subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 23.99% | None | APR for Cash Advances: 23.99%. Annual Fee: $0 for the first year, then $95. Cash Advance Fee: $10 or 4% of the amount of each cash advance, whichever is greater. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- baycoast.bank/en/other-services/consumer-credit-cards · captured Oct 15, 2026
low rate Platinum
All credit cards subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 23.99% | $99 | APR for Cash Advances: 23.99%. Cash Advance Fee: $10 or 4% of the amount of each cash advance, whichever is greater. |
Sources (1)
- baycoast.bank/en/other-services/consumer-credit-cards · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.