Last Updated: 07/28/2025
Credit Union of Texas Platinum Mastercard
Unaffiliated
in Credit Cards from Credit Union of Texas
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.65% - 17.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
13.65% - 17.90%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Credit Union of Texas Platinum Mastercard Review
This is a store travel 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.
Key Takeaways
- APRs: Credit Union of Texas Platinum Mastercard has a variable regular purchase APR that ranges from 11.65% up to 17.90%.
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Credit Union of Texas Platinum Mastercard
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Credit Union of Texas Platinum Mastercard has a variable purchase APR that ranges from 11.65% up to 17.90%. The card has a variable balance transfer APR that ranges from 13.65% up to 17.90%. It also has a variable cash advance APR that ranges from 13.65% 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Credit Union of Texas Platinum Mastercard have a foreign transaction fee?
Credit Union of Texas Platinum Mastercard charges a foreign transaction fee of up to 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 customer service number for Credit Union of Texas Platinum Mastercard is (927) 263-9497.
What is the support contact email for Credit Union of Texas Platinum Mastercard?
The support contact email for Credit Union of Texas Platinum Mastercard is social@cutx.org.
What is the login page for Credit Union of Texas Platinum Mastercard?
You can access the login page of Credit Union of Texas Platinum Mastercard here.
How do people rate the customer service and user experience of Credit Union of Texas Platinum Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Credit Union of Texas Platinum Mastercard report your account activity to credit bureaus?
Yes, Credit Union of Texas Platinum Mastercard 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 Credit Union of Texas perform a hard credit pull?
Yes, Credit Union of Texas Platinum Mastercard 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 Credit Union of Texas Platinum Mastercard
- Visit the website of Credit Union of Texas Platinum Mastercard.
- 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.
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