paying with credit card

Credit Cards

 

Give Yourself the Gift of...

The credit card that checks off all the boxes on your wish list... including cash back!

Have you wished for a credit card that you could get instantly the same day you apply?  How about a card that allows you to conduct contactless payments?  What about a card that allows you to earn bonus points almost every month, to redeem for cash back?  Who doesn’t worry about fraud?  Have you wished you could turn your card off and on to help prevent fraud? 

Texas Bay is excited to offer two cards that do all that and more with absolutely NO annual fee!  



personal credit card at texas bay credit union


Look no further than Texas Bay for your new credit card that REWARDS YOU!


Benefits Features
No Annual Fee 24/7 Fraud Protection
Earn cash back and more Digital Wallet capability through Apple Pay, Google Pay and Samsung Pay
Same day card issue at all Texas Bay branch locations  Mitigate fraud and set spending limits from your mobile app 

Identity Theft Alerts

Zero Liability when you notify us promptly of suspected fraud at 866.299.7470

Access to cash at ATMs worldwide

EMV Chip Technology

Mastercard ID Theft Protection™

Mastercard Global Service™
Finally, a credit card that fits all your needs!  Along with all the exciting benefits that come with your Platinum Rewards Mastercard you will also enjoy:
  • 0% APR* Introductory APR on Balance Transfers for 6 months from account opening. 14.74% to 18.00% standard variable APR thereafter.**
  • Great Rates 
  • Easy Balance Transfers


This document is also provided upon opening a new credit card account at Texas Bay.
Are you looking to build your credit? With a Share Secured credit card, you can use the money in your savings account to secure a line of credit and begin building a positive credit history and credit score.  You can even avoid paying interest by repaying your balance in full each month.

You select your credit limit, then place the dollar amount, plus 20% in your Texas Bay savings account.  This is a great option to build or improve your credit when you keep a low balance and pay your secured card every month. 


This document is also provided upon opening a new credit card account at Texas Bay.




























Are you leaving the country? Let us know!

Due to significant fraud originating from foreign countries, Texas Bay Credit Union protects cardholders by limiting transactions outside of the U.S.A. If you plan to use your Texas Bay Platinum Rewards Credit Card while traveling or purchasing merchandise from a foreign country, please contact Texas Bay Credit Union in advance.

Follow these instructions to submit your travel plans:

  1. Log into Online Banking or our Mobile App
  2. In the menu, select "Cards"
  3. Swipe to select the card you will be using, scroll down, and select "Manage Travel Plans"
  4. Select "Add Travel Plan" and add the destination(s) you will be travelling to
  5. Set the dates of your departure and return
  6. Select "Submit" and your travel plan is saved
Not contacting Texas Bay before conducting transactions with your credit or debit card outside of the U.S.A. may result in a temporary block. We want to be sure you are covered during your travels.

For more ways to manage your card, check out the Card Management portal in our digital banking applications!




Disclosures:
*APR means Annual Percentage Rate. Risk Based Pricing Notice: The Annual Percentage Rates (APR) quoted “as low as” depending upon the applicants individual credit history. Rates quoted are based on approved credit. Your APR may be higher based on your credit information obtained from consumer credit reporting agencies Texas Bay Credit Union uses. Rates and terms are subject to change without notice. Credit card changes require 45 days advance notice. Must be 21 or older, or have a parent or guardian as a co-signer. Transfer fees and other restrictions may apply.
** 0% introductory rate on balance transfers for 6 months and 5.80% introductory rate on purchases for 12 months from the date your account is opened. After that a standard variable APR will be 14.74% to 18.00% based on your creditworthiness. Cash Advance Fee of $10 or 4.99% of the amount of each transaction, whichever is greater. Balance Transfer Fee of $10 or 4.99% of the amount of each transaction, whichever is greater. Minimum $500 balance transfer amount. Maximum balance transfer amount is 25% of available credit at the time of the request. Foreign Transaction Fee of up to 1% of each transaction in U .S. dollars in addition to any other applicable fee. No annual fee. Terms and conditions subject to change without notice. Effective date of APR rate is June 1, 2024.