Last Updated: 07/28/2025
Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 13.75%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
Starting at 13.75%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card Review
This is a rewards card issued by Cy-Fair Federal Credit Union. If you're wondering whether Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1.0% every time you make a transaction outside the U.S.
Pros & Cons of Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card
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Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card FAQ
Does Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card have a cash back or rewards program?
Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card benefits?
Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card?
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.Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card has a variable purchase APR starting at 13.75%. The card has a variable balance transfer APR starting at 13.75% . It also has a variable cash advance APR starting at 13.75% .
Does Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | Starting at 13.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card 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 Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card have a foreign transaction fee?
Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card charges a foreign transaction fee of up to 1.0%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card?
The customer service number for Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card is (281) 571-5000.
What is the support contact email for Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card?
The support contact email for Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card is info@cyfairfcu.org.
What is the login page for Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card?
You can access the login page of Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card here.
How do people rate the customer service and user experience of Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card report your account activity to credit bureaus?
Yes, Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card 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 Cy-Fair Federal Credit Union perform a hard credit pull?
Yes, Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card 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 Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card
- Visit the website of Cy-Fair Federal Credit Union Night Platinum Mastercard Credit Card.
- 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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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 - 5:00PM
Saturday
9:00AM - 1:00PM