Last Updated: 07/28/2025
Credit Union West MasterCard Platinum
Unaffiliated
in Credit Cards from Credit Union West
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.74% - 21.74%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
12.74% - 21.74%(Verified 06/21/2024)
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Credit Score Range
600 - 699
Annual Fee
N/A
Credit Union West MasterCard Platinum Review
This is a rewards card issued by Credit Union West. If you're wondering whether Credit Union West MasterCard Platinum is the right card for you, read on.
Key Takeaways
- APRs: Credit Union West MasterCard Platinum has a variable regular purchase APR that ranges from 12.74% up to 21.74%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2.00% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, price protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Credit Union West MasterCard Platinum
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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:
- Select Merchants
| Description |
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?
Credit Union West MasterCard Platinum 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Credit Union West MasterCard Platinum has a variable purchase APR that ranges from 12.74% up to 21.74%. The card has a variable balance transfer APR that ranges from 12.74% up to 21.74%. It also has a variable cash advance APR that ranges from 12.74% up to 21.74%.
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $28.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $28.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
There is a late fee starting at $28.00. Does Credit Union West MasterCard Platinum have a foreign transaction fee?
Credit Union West MasterCard Platinum charges a foreign transaction fee of up to 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 customer service number for Credit Union West MasterCard Platinum 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.
What is the login page for Credit Union West MasterCard Platinum?
You can access the login page of Credit Union West MasterCard Platinum here.
How do people rate the customer service and user experience of Credit Union West MasterCard Platinum?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Credit Union West MasterCard Platinum report your account activity to credit bureaus?
Yes, Credit Union West MasterCard Platinum 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 West perform a hard credit pull?
Yes, Credit Union West MasterCard Platinum 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 West MasterCard Platinum
- Visit the website of Credit Union West MasterCard Platinum.
- 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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