You might realize significant monthly interest savings by transferring your higher-rate credit card balances to a lower-rate credit card. BayPort offers no-fee Mastercard Platinum Rewards, Cash Back, and Preferred credit card options. Enjoy the perks you care about most! Plus, get a 3.99% introductory APR for 12 months from account opening on balance transfers from other credit cards made to your BayPort card in the first 30 days.