Last Updated: 07/28/2025
California Coast CU Mastercard® Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.88% - 17.88%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
11.88% - 17.88%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
California Coast CU Mastercard® Credit Card Review
This is a card issued by California Coast Credit Union. If you're wondering whether California Coast CU Mastercard® Credit Card is the right card for you, read on.
Key Takeaways
- APRs: California Coast CU Mastercard® Credit Card has a variable regular purchase APR that ranges from 11.88% up to 17.88%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , 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 up to 0.8% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of California Coast CU Mastercard® Credit Card
| The Good | The Bad |
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California Coast CU Mastercard® Credit Card FAQ
Does California Coast CU Mastercard® Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for California Coast CU Mastercard® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.California Coast CU Mastercard® Credit Card has a variable purchase APR that ranges from 11.88% up to 17.88%. The card has a variable balance transfer APR that ranges from 11.88% up to 17.88%. It also has a variable cash advance APR that ranges from 11.88% up to 17.88%.
Does California Coast CU Mastercard® Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.88%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.88% - 17.88% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.88% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does California Coast CU Mastercard® Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 2.88% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 2.88% on qualified purchases
What are the fees for California Coast CU Mastercard® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0.8% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does California Coast CU Mastercard® Credit Card have a foreign transaction fee?
California Coast CU Mastercard® Credit Card charges a foreign transaction fee of up to 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.What is the support contact email for California Coast CU Mastercard® Credit Card?
The support contact email for California Coast CU Mastercard® Credit Card is support@calcoastcu.org.
How do people rate the customer service and user experience of California Coast CU Mastercard® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does California Coast CU Mastercard® Credit Card report your account activity to credit bureaus?
Yes, California Coast CU Mastercard® Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does California Coast Credit Union perform a hard credit pull?
Yes, California Coast CU Mastercard® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for California Coast CU Mastercard® Credit Card
- Visit the website of California Coast CU Mastercard® Credit Card.
- 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.
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Hours of Operation
SundayClosedMonday10:00AM - 4:00PMTuesday10:00AM - 4:00PMWednesday10:00AM - 4:00PMThursday10:00AM - 4:00PMFriday10:00AM - 4:00PMSaturdayClosed
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Rating not yet determined
Purchase APR
15.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99%
Disclaimer popup with additional information
Credit Score Range
350 - 600
300
850
Annual Fee
$20
Rating not yet determined
Purchase APR
12.88% - 18.88%
Disclaimer popup with additional information
Balance Transfer APR
12.88% - 18.88%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99%
Disclaimer popup with additional information
Credit Score Range
350 - 600
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
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