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  California Coast Credit Union Platinum Choice Rewards Mastercard®

California Coast Credit Union Platinum Choice Rewards Mastercard®

in Personal Credit Cards from California Coast Credit Union

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California Coast Credit Union Platinum Choice Rewards Mastercard®

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in Personal Credit Cards from California Coast Credit Union

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Highlights
Purchase APR  (Variable APR) 12.88% - 18.88%
Balance Transfer APR  (Variable APR) 12.88% - 18.88%
Credit Score Range 650 - 850
Annual Fee $0

California Coast Credit Union Platinum Choice Rewards Mastercard® Review

This is a cashback credit card issued by California Coast Credit Union. If you're wondering whether California Coast Credit Union Platinum Choice Rewards 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.

Key Takeaways
  • Competitive APRs. California Coast Credit Union Platinum Choice Rewards Mastercard® has a variable purchase APR that ranges from 12.88% up to 18.88%.
  • 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 0.8% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of California Coast Credit Union Platinum Choice Rewards Mastercard®
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Travel accident insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere California Coast Credit Union Platinum Choice Rewards Mastercard® is accepted.
  • California Coast Credit Union Platinum Choice Rewards Mastercard® reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 0.8%.
California Coast Credit Union Platinum Choice Rewards Mastercard® FAQ

Does California Coast Credit Union Platinum Choice 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.

California Coast Credit Union Platinum Choice Rewards Mastercard® Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does California Coast Credit Union Platinum Choice Rewards Mastercard® have a signup bonus?

This card doesn't offer a cash signup bonus.

Does California Coast Credit Union Platinum Choice Rewards Mastercard® offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the California Coast Credit Union Platinum Choice Rewards Mastercard® benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for California Coast Credit Union Platinum Choice 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.88% up to 18.88%. The card has a variable balance transfer APR that ranges from 12.88% up to 18.88%. It also has a variable cash advance APR that ranges from 12.88% up to 18.88%.

Does California Coast Credit Union Platinum Choice Rewards Mastercard® have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does California Coast Credit Union Platinum Choice Rewards Mastercard® have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for California Coast Credit Union Platinum Choice Rewards Mastercard®?

The following fees apply:

California Coast Credit Union Platinum Choice Rewards Mastercard® Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0.8%
Late Payment Fee up to $10

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

Does California Coast Credit Union Platinum Choice Rewards Mastercard® have a foreign transaction fee?

California Coast Credit Union Platinum Choice Rewards Mastercard® charges a foreign transaction fee of 0.8%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $16. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

Does California Coast Credit Union Platinum Choice Rewards Mastercard® report your account activity to credit bureaus?

Yes, California Coast Credit Union Platinum Choice 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 California Coast Credit Union Platinum Choice Rewards Mastercard®

  • Visit the California Coast Credit Union Platinum Choice 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

  • Headquarters
  •   PO Box 502080
    San Diego, CA 92150
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 10:00am - 4:00pm
  • Tuesday 10:00am - 4:00pm
  • Wednesday 10:00am - 4:00pm
  • Thursday 10:00am - 4:00pm
  • Friday 10:00am - 4:00pm
  • Saturday Closed

About California Coast Credit Union Platinum Choice Rewards Mastercard®

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View all personal credit cards offered by California Coast Credit Union

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 one point for every dollar you spend using your California Coast Platinum Choice Rewards Mastercard®.
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 0.8%
Late Fee Amount Up to $10
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Fraud Liability
  • Travel Accident Insurance
No Blackout Dates
Rewards Categories
  • Travel
  • Airfare
  • Car Rentals
  • Retail
  • Hotels
  • Restaurants
  • Every Purchase
  • Entertainment
Cash Advance APR (Variable APR) 12.88% - 18.88%
Balance Computation "Average daily balance" (including new purchases).
Credit Limit Up to $25,000
Purchase APR (Variable APR) 12.88% - 18.88%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer APR (Variable APR) 12.88% - 18.88%
Balance Transfer Fee Minimum $5
Card Type
  • Rewards
  • Cashback
Card Network Mastercard

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