Choosing the Right Credit Card

Why “0% APR” isn't always what it seems.

Credit vs Debit banner

Many cardholders new to the banking process are sucked into deals with other credit card providers that tout a “0% APR”. Although this may seem like a good deal, it can be risky, especially when there is fine print involved.

Often, this “0% APR” changes within a few months and skyrockets your balances. With detrimental unknown fees and add-ons, the overall financial state of the holder can be crippled within a short time.

At Bethpage, we believe your financial choices should be the one that works best for you. To meet your needs, we offer three Mastercard® Platinum consumer credit cards, each backed by low rates and a 12-month introductory rate of 2.99% APR*.

Our cards offer freedom, flexibility, and convenience to suit a range of cardholder needs. We ensure that your card is working all the time for you and not the other way around.

Our offers are:

Low Interest Rate

CU Rewards - Cash Back

CU Rewards - Points

Annual Fee

$0

$0

$0

Fees for Balance Transfers

$0

$0

$0

Features & Benefits

  • No Annual Fee.
  • Interest rates as low as 9.15%* on all balances.
  • No Annual Fee.
  • Interest rates as low as 12.15%* .
  • Earn .50% on month end balances between $1.00 - $4,000;
    Earn 1.00% for month end balances of $4,001 or more.
  • Rebates are distributed annually in October.
  • No Annual Fee.
  • Interest rates as low as 12.15%* .
  • Earn one point for every dollar spent on purchases.
  • Redeem points for travel, hotel stays, cruises, jewelry and more!

Foreign Transaction Fee

$0

$0

$0

Over the Limit Fee

$0

$0

$0

Late Fee

$25

$25

$25

Minimum Finance Charge

$1.00

$1.00

$1.00

NSF Fees

Lesser of minimum payment or $25

Lesser of minimum payment or $25

Lesser of minimum payment or $25

Minimum Payment

The greater of $15 or 1% of the balance plus billed interest.

The greater of $15 or 1% of the balance plus billed interest.

The greater of $15 or 1% of the balance plus billed interest.

Our Bethpage credit cards are secure and ready to use for all your financial needs.

Apply For A Credit Card »