California Coast Credit Union Platinum Secured Mastercard® Review

California Coast Credit Union Platinum Secured Mastercard® is a secured credit card credit card issued by California Coast Credit Union. If you're wondering whether California Coast Credit Union Platinum Secured Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. California Coast Credit Union Platinum Secured Mastercard® has a variable purchase APR of 15.99%
• 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.
• Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.

The Good	The Bad
Lower than average purchase APRs. Identity Theft Protection. Considers applicants with fair or poor credit. No foreign transaction fee. California Coast Credit Union Platinum Secured Mastercard® reports to multiple credit bureaus.	Charges an annual fee of $20 Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 0.8%. You don't earn rewards on every purchase. Does not include many credit card benefits.

Is there a California Coast Credit Union Platinum Secured Mastercard® cash back or rewards program?

No, California Coast Credit Union Platinum Secured Mastercard® does not offer a rewards program.

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

California Coast Credit Union Platinum Secured Mastercard® provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for California Coast Credit Union Platinum Secured 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. California Coast Credit Union Platinum Secured Mastercard® has lower than average purchase APRs.

California Coast Credit Union Platinum Secured Mastercard® has a variable purchase APR of 15.99%. The card has a variable balance transfer APR of 15.99% . It also has a variable cash advance APR of 15.99% .

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

The following fees apply to California Coast Credit Union Platinum Secured Mastercard®:

California Coast Credit Union Platinum Secured Mastercard® Fees

Fees	Amount
Annual Fee	$20
Foreign Transaction Fee	0.8%
Late Payment Fee	up to $10

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

Yes, California Coast Credit Union Platinum Secured 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 Secured Mastercard®

• Visit the California Coast Credit Union Platinum Secured 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.