SuperMoney
  AMOCO Federal Credit Union Platinum Rewards MasterCard
AMOCO Federal Credit Union Platinum Rewards MasterCard
in Credit Cards from AMOCO Federal Credit Union
Unaffiliated

AMOCO Federal Credit Union Platinum Rewards MasterCard

Unaffiliated
in Credit Cards from AMOCO Federal Credit Union
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card 22 reviews
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

This is a cashback 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.

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 eligible 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 will have good approval odds if your credit score is above 600.

Pros & Cons of AMOCO Federal Credit Union Platinum Rewards MasterCard

The Good The Bad
  • Potentially 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. There is then a variable purchase APR that ranges from 7.15% up to 18.00%.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair 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

Does AMOCO Federal Credit Union Platinum Rewards MasterCard have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other 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 ($) 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?

This card 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?

This card doesn't offer a cash loyalty bonus.

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

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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 intro APR offer on balance transfers?

Yes, it offers an intro 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 intro APR offer on new purchases?

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

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

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

The following fees apply:

  • 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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

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 foreign transaction fees.

What is the customer service phone number for AMOCO Federal Credit Union Platinum Rewards MasterCard?

The AMOCO Federal Credit Union Platinum Rewards MasterCard customer service number is (409) 948-8541.

What is the support contact email for AMOCO Federal Credit Union Platinum Rewards MasterCard?

The support contact email for AMOCO Federal Credit Union Platinum Rewards MasterCard is sd@amocofcu.org.

What is the AMOCO Federal Credit Union Platinum Rewards MasterCard login page?

You can access the AMOCO Federal Credit Union Platinum Rewards MasterCard login page here.

How do people rate the customer service and user experience of AMOCO Federal Credit Union Platinum Rewards MasterCard?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) $10 - $25
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $30
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
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%
APR Type Variable APR
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

Be the first to rate

 

Would you recommend AMOCO Federal Credit Union Platinum Rewards MasterCard to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards