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  Credit Union of Texas Platinum Rewards Mastercard

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Credit Union of Texas Platinum Rewards Mastercard

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Credit Union of Texas Platinum Rewards Mastercard

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Highlights
Purchase APR  (Variable APR) 9.9% - 17.9%
Balance Transfer APR  (Variable APR) 11.9% - 17.9%
Credit Score Range 600 - 699
Annual Fee N/A

Credit Union of Texas Platinum Rewards Mastercard Review

Credit Union of Texas Platinum Rewards Mastercard is no longer available to new customers on SuperMoney.

Click here to compare Credit Cards and quickly find the best options for your needs.

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

Key Takeaways

  • Competitive APRs. Credit Union of Texas Platinum Rewards Mastercard has a variable purchase APR that ranges from 9.9% up to 17.9%.
  • 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.
  • Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Credit Union of Texas Platinum Rewards Mastercard

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Multiple credit card perks.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Credit Union of Texas Platinum Rewards Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.

Credit Union of Texas Platinum Rewards Mastercard FAQ

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

Credit Union of Texas Platinum Rewards Mastercard is a travel rewards card.

Credit Union of Texas Platinum Rewards Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Credit Union of Texas Platinum Rewards Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Credit Union of Texas Platinum Rewards Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Credit Union of Texas Platinum Rewards Mastercard benefits?

It provides the following benefits:

  • Free Credit Score
  • Emergency Support
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Credit Union of Texas 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.

Credit Union of Texas Platinum Rewards Mastercard has a variable purchase APR that ranges from 9.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 11.9% up to 17.9%. It also has a variable cash advance APR that ranges from 11.9% up to 17.9%.

Does Credit Union of Texas Platinum Rewards 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 Rewards 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 Rewards Mastercard?

The following fees apply:

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

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

Credit Union of Texas Platinum Rewards 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 Rewards Mastercard?

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

What is the support contact email for Credit Union of Texas Platinum Rewards Mastercard?

The support contact email for Credit Union of Texas Platinum Rewards Mastercard is social@cutx.org.

What is the Credit Union of Texas Platinum Rewards Mastercard login page?

You can access the Credit Union of Texas Platinum Rewards Mastercard login page here.

How do people rate the customer service and user experience of Credit Union of Texas Platinum Rewards Mastercard?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

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

  • Visit the Credit Union of Texas 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.

View Credit Union of Texas Platinum Rewards Mastercard's published terms & conditions.
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 Rewards Mastercard

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View all credit cards offered by Credit Union of Texas

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Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2%
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Starting at $25
Paper Statement Fee $5.00
Late Fee Amount Starting at $25
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • U.S. Temporary Resident Visa Holders
Credit Score Range 600 - 699
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Emergency Support
  • Free Credit Score
  • Travel Assistance
  • Airport Lounge Access
Rewards Categories
  • Travel
  • Retail
  • Target Purchases
  • Select Merchants
Cash Advance APR (Variable APR) 11.9% - 17.9%
APR Type Variable APR
Balance Computation We use a method called “Average Daily Balance (including new purchases).”
Purchase APR (Variable APR) 9.9% - 17.9%
Balance Transfer Fee Intro Period 25 days
Balance Transfer APR (Variable APR) 11.9% - 17.9%
Card Type
  • Rewards
  • Travel
  • Store Card
  • Airline
  • Bonus Offers
Card Network Mastercard

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