Auburn University Federal Credit Union Platinum MasterCard Review

This is a cashback credit card issued by Auburn University Federal Credit Union. If you're wondering whether Auburn University Federal Credit Union Platinum MasterCard is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• Competitive APRs. Auburn University Federal Credit Union Platinum MasterCard has a variable purchase APR that ranges from 7.90% up to 15.00%.
• 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.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Identity Theft Protection. Considers applicants with fair or poor credit. No foreign transaction fee. Auburn University Federal Credit Union Platinum MasterCard reports to multiple credit bureaus.	Does not offer a signup bonus. Does not include many credit card benefits.

Does Auburn University Federal Credit Union Platinum MasterCard have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Auburn University Federal Credit Union Platinum MasterCard benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Auburn University Federal Credit Union Platinum 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 7.90% up to 15.00%. The card has a variable balance transfer APR that ranges from 7.90% up to 15.00%. It also has a variable cash advance APR that ranges from 7.90% up to 15.00%.

What are the fees for Auburn University Federal Credit Union Platinum MasterCard?

The following fees apply:

Auburn University Federal Credit Union Platinum MasterCard Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $18
Late Payment Fee	up to $20

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

Does Auburn University Federal Credit Union Platinum MasterCard report your account activity to credit bureaus?

Yes, Auburn University Federal Credit Union Platinum 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 Auburn University Federal Credit Union Platinum MasterCard

• Visit the Auburn University Federal Credit Union Platinum 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.