Last Updated: 07/28/2025
Credit Union West MasterCard Platinum Rewards
Unaffiliated
in Credit Cards from Credit Union West
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.74% - 24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.74% - 24%(Verified 06/21/2024)
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Credit Score Range
600 - 699
Annual Fee
N/A
Credit Union West MasterCard Platinum Rewards Review
This is a secured credit travel card issued by Credit Union West. If you're wondering whether Credit Union West MasterCard Platinum Rewards is the right card for you, read on.
Key Takeaways
- APRs: Credit Union West MasterCard Platinum Rewards has a variable regular purchase APR that ranges from 15.74% up to 24%.
- 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.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, 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 Rewards
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Credit Union West MasterCard Platinum Rewards FAQ
Does Credit Union West MasterCard Platinum Rewards have a cash back or rewards program?
Credit Union West MasterCard Platinum Rewards is a travel rewards card. This card features rewards for purchases in the following categories:
- Select Merchants
| Description |
Does Credit Union West MasterCard Platinum Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does Credit Union West MasterCard Platinum Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Credit Union West MasterCard Platinum Rewards benefits?
Credit Union West MasterCard Platinum Rewards provides the following benefits:
- Free Credit Score
- Extended Warranty Protection
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Credit Union West MasterCard Platinum Rewards?
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 Rewards has a variable purchase APR that ranges from 15.74% up to 24%. The card has a variable balance transfer APR that ranges from 15.74% up to 24%. It also has a variable cash advance APR that ranges from 15.74% up to 24%.
Does Credit Union West MasterCard Platinum Rewards 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 Rewards 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 Rewards?
| 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 Rewards have a foreign transaction fee?
Credit Union West MasterCard Platinum Rewards 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 Rewards?
The customer service number for Credit Union West MasterCard Platinum Rewards is (800) 621-0287.
What is the support contact email for Credit Union West MasterCard Platinum Rewards?
The support contact email for Credit Union West MasterCard Platinum Rewards is info@cuwest.org.
What is the login page for Credit Union West MasterCard Platinum Rewards?
You can access the login page of Credit Union West MasterCard Platinum Rewards here.
How do people rate the customer service and user experience of Credit Union West MasterCard Platinum Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Credit Union West MasterCard Platinum Rewards report your account activity to credit bureaus?
Yes, Credit Union West MasterCard Platinum Rewards 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 Rewards 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 Rewards
- Visit the website of Credit Union West MasterCard Platinum Rewards.
- 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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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.
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