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  AMOCO Federal Credit Union Platinum Rewards MasterCard

AMOCO Federal Credit Union Platinum Rewards MasterCard

in Personal Credit Cards from AMOCO Federal Credit Union

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AMOCO Federal Credit Union Platinum Rewards MasterCard

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in Personal Credit Cards from AMOCO Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 7.15% - 18.00%
Balance Transfer APR  (Variable APR) 7.15% - 18.00%
Credit Score Range 600 - 850
Annual Fee $0

AMOCO Federal Credit Union Platinum Rewards MasterCard Review

AMOCO Federal Credit Union Platinum Rewards MasterCard is a cashback credit card issued by AMOCO Federal Credit Union. If you're wondering whether AMOCO Federal Credit Union Platinum Rewards MasterCard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Signup bonus. Offers a signup bonus of 10000 points after spending $3,500 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. AMOCO Federal Credit Union Platinum Rewards MasterCard has a variable purchase APR that ranges from 7.15% up to 18.00%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
AMOCO Federal Credit Union Platinum Rewards MasterCard Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere AMOCO Federal Credit Union Platinum Rewards MasterCard is accepted.
  • AMOCO Federal Credit Union Platinum Rewards MasterCard reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
AMOCO Federal Credit Union Platinum Rewards MasterCard FAQ

Is there a AMOCO Federal Credit Union Platinum Rewards MasterCard cash back or rewards program?

AMOCO Federal Credit Union Platinum Rewards MasterCard is a cashback card. This means you earn a percentage of your purchase as a cash reward. With AMOCO Federal Credit Union Platinum Rewards MasterCard you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

AMOCO Federal Credit Union Platinum Rewards MasterCard Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $3500
Signup Bonus Spend Period (months) 3 months

Does AMOCO Federal Credit Union Platinum Rewards MasterCard have a signup bonus?

AMOCO Federal Credit Union Platinum Rewards MasterCard doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $3500 that can be redeemed for travel, gifts, or other perks.

Does AMOCO Federal Credit Union Platinum Rewards MasterCard offer an annual loyalty bonus?

AMOCO Federal Credit Union Platinum Rewards MasterCard doesn't offer a cash loyalty bonus.

What are the AMOCO Federal Credit Union Platinum Rewards MasterCard benefits?

AMOCO Federal Credit Union Platinum Rewards MasterCard provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for AMOCO Federal Credit Union Platinum Rewards MasterCard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. AMOCO Federal Credit Union Platinum Rewards MasterCard has lower than average purchase APRs.

AMOCO Federal Credit Union Platinum Rewards MasterCard has a variable purchase APR that ranges from 7.15% up to 18.00%. The card has a variable balance transfer APR that ranges from 7.15% up to 18.00%. It also has a variable cash advance APR that ranges from 8.15% up to 18.00%.

Does AMOCO Federal Credit Union Platinum Rewards MasterCard have an introductory APR offer on balance transfers?

Yes, AMOCO Federal Credit Union Platinum Rewards MasterCard offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

AMOCO Federal Credit Union Platinum Rewards MasterCard Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 7.15% - 18.00%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does AMOCO Federal Credit Union Platinum Rewards MasterCard have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

AMOCO Federal Credit Union Platinum Rewards MasterCard Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

What are the fees for AMOCO Federal Credit Union Platinum Rewards MasterCard?

The following fees apply to AMOCO Federal Credit Union Platinum Rewards MasterCard:

  • There is no overlimit fee
AMOCO Federal Credit Union Platinum Rewards MasterCard Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $30
Late Payment Fee up to $25

Does AMOCO Federal Credit Union Platinum Rewards MasterCard have a foreign transaction fee?

AMOCO Federal Credit Union Platinum Rewards MasterCard charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does AMOCO Federal Credit Union Platinum Rewards MasterCard report your account activity to credit bureaus?

Yes, AMOCO Federal Credit Union Platinum Rewards MasterCard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for AMOCO Federal Credit Union Platinum Rewards MasterCard

  • Visit the AMOCO Federal Credit Union Platinum Rewards MasterCard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:30pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:30pm
  • Saturday Closed

About AMOCO Federal Credit Union Platinum Rewards MasterCard

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Every Purchase (Points) Starting at 1
Every Purchase (Points) Earn 1 reward point for every $1 spent
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) $10 - $25
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $30
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Airfare
  • Hotels
  • Every Purchase
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 8.15% - 18.00%
Balance Computation "Average daily balance (including new purchases)."
Credit Limit Up to $30,000
Purchase APR (Variable APR) 7.15% - 18.00%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 7.15% - 18.00%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Bonus Offers
  • Zero Percent
Card Network Mastercard

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