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  Empower Federal Credit Union Platinum Mastercard

Empower Federal Credit Union Platinum Mastercard

in Personal Credit Cards from Empower Federal Credit Union

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Empower Federal Credit Union Platinum Mastercard

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in Personal Credit Cards from Empower Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 8.49 - 17.74
Balance Transfer APR  (Variable APR) 8.49 - 17.74
Credit Score Range 600 - 699
Annual Fee N/A

Empower Federal Credit Union Platinum Mastercard Review

Empower Federal Credit Union Platinum Mastercard is a rewards credit card issued by Empower Federal Credit Union. If you're wondering whether Empower Federal Credit Union Platinum Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Empower Federal Credit Union Platinum Mastercard has a variable purchase APR that ranges from 8.49% up to 17.74%.
  • Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Empower Federal Credit Union Platinum Mastercard Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Empower Federal Credit Union Platinum Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
Empower Federal Credit Union Platinum Mastercard FAQ

Is there a Empower Federal Credit Union Platinum Mastercard cash back or rewards program?

Empower Federal Credit Union Platinum Mastercard offers a rewards program to its customers. This card features rewards for purchases in the following categories:

Empower Federal Credit Union Platinum Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Empower Federal Credit Union Platinum Mastercard have a signup bonus?

Empower Federal Credit Union Platinum Mastercard doesn't offer a cash signup bonus.

Does Empower Federal Credit Union Platinum Mastercard offer an annual loyalty bonus?

Empower Federal Credit Union Platinum Mastercard doesn't offer a cash loyalty bonus.

What are the Empower Federal Credit Union Platinum Mastercard benefits?

Empower Federal Credit Union Platinum Mastercard provides the following benefits:

  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Cellular Telephone Protection
  • Reports to major credit bureaus

What are the relevant APRs for Empower Federal Credit Union Platinum Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Empower Federal Credit Union Platinum Mastercard has lower than average purchase APRs.

Empower Federal Credit Union Platinum Mastercard has a variable purchase APR that ranges from 8.49% up to 17.74%. The card has a variable balance transfer APR that ranges from 8.49% up to 17.74%. It also has a variable cash advance APR that ranges from 8.49% up to 17.74%.

Does Empower Federal Credit Union Platinum Mastercard have an introductory APR offer on balance transfers?

No, Empower Federal Credit Union Platinum Mastercard does not come with an introductory APR offer for balance transfers.

Does Empower Federal Credit Union Platinum Mastercard have an introductory APR offer on new purchases?

Empower Federal Credit Union Platinum Mastercard does not offer an introductory rate on new purchases.

What are the fees for Empower Federal Credit Union Platinum Mastercard?

The following fees apply to Empower Federal Credit Union Platinum Mastercard:

Empower Federal Credit Union Platinum Mastercard Fees
Fees Amount
Annual Fee
Late Payment Fee up to $25.00

Does Empower Federal Credit Union Platinum Mastercard report your account activity to credit bureaus?

Yes, Empower Federal Credit Union Platinum Mastercard 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 Empower Federal Credit Union Platinum Mastercard

  • Visit the Empower Federal Credit Union Platinum Mastercard 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.

View Empower Federal Credit Union Platinum Mastercard's published terms & conditions.
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 - 5:00pm
  • Saturday Closed

About Empower Federal Credit Union Platinum Mastercard

Availability

  Available in 1 state
New York
Availabile in all of New York

Feature Breakdown

No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Late Fee Amount Up to 25.00
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
Credit Score Range 600 - 699
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Fraud Liability
  • Cellular Telephone Protection
  • Concierge
  • Airport Lounge Access
Rewards Categories
  • Select Merchants
Cash Advance APR (Variable APR) 8.49 - 17.74
Balance Computation We use a method called “Average Daily Balance (including new transactions)”
Purchase APR (Variable APR) 8.49 - 17.74
Balance Transfer APR (Variable APR) 8.49 - 17.74
Card Type
  • Rewards
Card Network Mastercard

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