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  Credit Union West MasterCard Platinum Rewards

Credit Union West MasterCard Platinum Rewards

in Personal Credit Cards from Credit Union West

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Credit Union West MasterCard Platinum Rewards

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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) 11.49% - 20.49%
Credit Score Range 600 - 699
Annual Fee N/A

Credit Union West MasterCard Platinum Rewards Review

This is a secured credit card rewards credit 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. 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 Rewards 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.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Credit Union West MasterCard Platinum Rewards
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Credit Union West MasterCard Platinum Rewards 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 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:

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

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?

It 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 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 11.49% up to 20.49%. It also has a variable cash advance APR that ranges from 11.49% up to 20.49%.

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?

The following fees apply:

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

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

Credit Union West MasterCard Platinum Rewards charges a foreign transaction fee of 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 Credit Union West MasterCard Platinum Rewards customer service number is (800) 621-0287.

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

Yes, Credit Union West MasterCard Platinum Rewards 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 Rewards

  • Visit the Credit Union West MasterCard Platinum Rewards 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 Rewards

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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
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
  • Cellular Telephone Protection
  • Extended Warranty Protection
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
  • Travel Assistance
Rewards Categories
  • Select Merchants
Cash Advance APR (Variable APR) 11.49% - 20.49%
Balance Computation We use a method called "average daily balance (including new purchases)."
Purchase APR (Variable APR) 11.49% - 20.49%
Balance Transfer Intro APR Period (Variable APR) 21 months
Balance Transfer APR (Variable APR) 11.49% - 20.49%
Card Type
  • Rewards
  • Secured
  • Balance Transfer
  • Travel
Card Network Mastercard

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