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  Credit Union of Texas Platinum Mastercard

Credit Union of Texas Platinum Mastercard

in Personal Credit Cards from Credit Union of Texas

Unaffiliated

Credit Union of Texas Platinum Mastercard

Unaffiliated

in Personal Credit Cards from Credit Union of Texas

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Highlights
Purchase APR  (Variable APR) 7.90% - 17.90%
Balance Transfer APR  (Variable APR) 9.90% - 17.90%
Credit Score Range 600 - 699
Annual Fee N/A

Credit Union of Texas Platinum Mastercard Review

This is a store credit card issued by Credit Union of Texas. If you're wondering whether Credit Union of Texas Platinum 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. Credit Union of Texas Platinum Mastercard has a variable purchase APR that ranges from 7.90% up to 17.90%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Credit Union of Texas Platinum Mastercard
The Good The Bad
  • Lower than average purchase APRs.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Credit Union of Texas Platinum Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Credit Union of Texas Platinum Mastercard FAQ

Does Credit Union of Texas Platinum Mastercard have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Credit Union of Texas Platinum Mastercard benefits?

It provides the following benefits:

  • Free Credit Score
  • Reports to major credit bureaus

What are the relevant APRs for Credit Union of Texas Platinum 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 7.90% up to 17.90%. The card has a variable balance transfer APR that ranges from 9.90% up to 17.90%. It also has a variable cash advance APR that ranges from 9.90% up to 17.90%.

Does Credit Union of Texas Platinum Mastercard have an intro APR offer on balance transfers?

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

Does Credit Union of Texas Platinum 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 Credit Union of Texas Platinum Mastercard?

The following fees apply:

Credit Union of Texas Platinum Mastercard Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 2%

Does Credit Union of Texas Platinum Mastercard have a foreign transaction fee?

Credit Union of Texas Platinum Mastercard charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 customer service phone number for Credit Union of Texas Platinum Mastercard?

The Credit Union of Texas Platinum Mastercard customer service number is (927) 263-9497.

Does Credit Union of Texas Platinum Mastercard report your account activity to credit bureaus?

Yes, Credit Union of Texas Platinum 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 Credit Union of Texas Platinum Mastercard

  • Visit the Credit Union of Texas Platinum 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

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

About Credit Union of Texas Platinum Mastercard

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View all personal credit cards offered by Credit Union of Texas

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10.00
Cash Advance Fee (%) Starting at 2.000%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2%
Returned Payment Fee Starting at $25.00
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Credit Score Range 600 - 699
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Free Credit Score
  • Identity Theft Protection
Rewards Categories
  • Internet / Cable / Phone Services
  • International Purchases
  • Select Merchants
Cash Advance APR (Variable APR) 9.90% - 17.90%
Purchase APR (Variable APR) 7.90% - 17.90%
Balance Transfer Fee Intro Period 25 days
Balance Transfer APR (Variable APR) 9.90% - 17.90%
Card Type
  • Travel
  • Store Card
  • Bonus Offers
Card Network Mastercard

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