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  Credit Union West MasterCard Platinum

Credit Union West MasterCard Platinum

in Personal Credit Cards from Credit Union West

Unaffiliated

Credit Union West MasterCard Platinum

Unaffiliated

in Personal Credit Cards from Credit Union West

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Highlights
Purchase APR  (Variable APR) 11.49% - 20.49%
Balance Transfer APR  (Variable APR) 8.49% - 17.49%
Credit Score Range 600 - 699
Annual Fee N/A

Credit Union West MasterCard Platinum Review

This is a rewards credit card issued by Credit Union West. If you're wondering whether Credit Union West MasterCard Platinum 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 West MasterCard Platinum has a variable purchase APR that ranges from 11.49% up to 20.49%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.00% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, 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 West MasterCard Platinum
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Credit Union West MasterCard Platinum reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2.00%.
  • You don't earn rewards on every purchase.
Credit Union West MasterCard Platinum FAQ

Does Credit Union West MasterCard Platinum have a cash back or rewards program?

Credit Union West MasterCard Platinum is a rewards card. This card features rewards for purchases in the following categories:

Credit Union West MasterCard Platinum Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Credit Union West MasterCard Platinum have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Credit Union West MasterCard Platinum offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Credit Union West MasterCard Platinum benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Credit Union West MasterCard Platinum?

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 11.49% up to 20.49%. The card has a variable balance transfer APR that ranges from 8.49% up to 17.49%. It also has a variable cash advance APR that ranges from 11.49% up to 20.49%.

Does Credit Union West MasterCard Platinum have an intro APR offer on balance transfers?

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

Does Credit Union West MasterCard Platinum 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 West MasterCard Platinum?

The following fees apply:

Credit Union West MasterCard Platinum Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 2.00%

Does Credit Union West MasterCard Platinum have a foreign transaction fee?

Credit Union West MasterCard Platinum charges a foreign transaction fee of 2.00%. 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 West MasterCard Platinum?

The Credit Union West MasterCard Platinum customer service number is (800) 621-0287.

What is the support contact email for Credit Union West MasterCard Platinum?

The support contact email for Credit Union West MasterCard Platinum is info@cuwest.org.

Does Credit Union West MasterCard Platinum report your account activity to credit bureaus?

Yes, Credit Union West MasterCard Platinum 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 West MasterCard Platinum

  • Visit the Credit Union West MasterCard Platinum 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 - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

About Credit Union West MasterCard Platinum

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View all personal credit cards offered by Credit Union West

Availability

  Available in 1 state
Arizona
Availabile in all of Arizona

Feature Breakdown

No Interest Grace Period for Late Payment 21 days
Cash Advance Fee (%) Starting at 2.00%
Foreign Currency Transaction Fee 2.00%
Returned Payment Fee Starting at $28.00
Late Fee Amount Starting at $28.00
Customer Type Personal
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
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Select Merchants
Cash Advance APR (Variable APR) 11.49% - 20.49%
Purchase APR (Variable APR) 11.49% - 20.49%
Balance Transfer Fee Intro Period 21 days
Balance Transfer APR (Variable APR) 8.49% - 17.49%
Card Type
  • Rewards
Card Network Mastercard

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