Campus Platinum Rewards Mastercard

Campus Platinum Rewards Mastercard Review

This is a rewards card issued by CAMPUS USA Credit Union. If you're wondering whether Campus Platinum Rewards Mastercard is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of 10000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Campus Platinum Rewards Mastercard has a variable purchase APR that ranges from 10.15% up to 17.15%.
• No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards 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 1% every time you make a transaction outside the U.S.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Campus Platinum Rewards Mastercard

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Access to a concierge. Identity Theft Protection. Considers applicants with fair credit. Cardholders can earn rewards on purchases everywhere Campus Platinum Rewards Mastercard is accepted. Campus Platinum Rewards Mastercard reports to multiple credit bureaus.	Charges a foreign transaction fee of 1%.

Campus Platinum Rewards Mastercard FAQ

Does Campus Platinum Rewards Mastercard have a cash back or rewards program?

Campus Platinum Rewards Mastercard is a rewards card.

Campus Platinum Rewards Mastercard Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	10000
Signup Bonus Spend Requirement	$1000
Signup Bonus Spend Period (months)	3 months

What are the Campus Platinum Rewards Mastercard benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Campus Platinum 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. This card has lower than average regular APRs.

Campus Platinum Rewards Mastercard has a variable purchase APR that ranges from 10.15% up to 17.15%. The card has a variable balance transfer APR that ranges from 10.15% up to 17.15%. It also has a variable cash advance APR that ranges from 10.15% up to 17.15%. Note that late payments are subject to an APR of 17.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Campus Platinum Rewards Mastercard?

The following fees apply:

• There is no overlimit fee

Campus Platinum Rewards Mastercard Fees

Description
Cash Advance Fee Minimum	$0
Cash Advance Fee (%)	0%
Minimum Cash Advance Fee ($)	$0
Initial Program Fee	$0
Foreign Currency Transaction Fee	1%
No Annual Fee?
Annual Fee	$0
Minimum Interest Charge	$0
Over-Limit Fee	$0
No Interest Grace Period for Late Payment	25 days
Returned Payment Fee	Up to $25
Paper Statement Fee	$0
Additional Card Fee Amount	$0
Late Fee Amount	Up to $40

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

Does Campus Platinum Rewards Mastercard report your account activity to credit bureaus?

Yes, Campus Platinum 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 Campus Platinum Rewards Mastercard

• Visit the Campus Platinum 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.