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  California Coast Credit Union Platinum Secured Mastercard®

California Coast Credit Union Platinum Secured Mastercard®

in Personal Credit Cards from California Coast Credit Union

Unaffiliated

California Coast Credit Union Platinum Secured Mastercard®

Unaffiliated

in Personal Credit Cards from California Coast Credit Union

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Highlights
Purchase APR  (Variable APR) 15.99%
Balance Transfer APR  (Variable APR) 15.99%
Credit Score Range 350 - 600
Annual Fee $20

California Coast Credit Union Platinum Secured Mastercard® Review

This 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 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 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.
Pros & Cons of California Coast Credit Union Platinum Secured Mastercard®
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.
California Coast Credit Union Platinum Secured Mastercard® FAQ

Does California Coast Credit Union Platinum Secured Mastercard® have a cash back or rewards program?

No, it does not offer a rewards program.

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

It 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 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 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% .

Does California Coast Credit Union Platinum Secured 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 Secured 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 Secured Mastercard®?

The following fees apply:

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® have a foreign transaction fee?

California Coast Credit Union Platinum Secured 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 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.

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 Secured 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

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%
Annual Fee $20
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 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 15.99%
Balance Computation "Average daily balance" (including new purchases).
Credit Limit Up to $2,000
Purchase APR (Variable APR) 15.99%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer APR (Variable APR) 15.99%
Balance Transfer Fee Minimum $0
Card Type
  • Secured
  • Bad Credit
Card Network Mastercard

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