Last Updated: 07/28/2025
Empower Federal Credit Union Platinum Mastercard
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.49% - 17.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
11.49% - 17.99%(Verified 06/21/2024)
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Credit Score Range
600 - 699
Annual Fee
N/A
Empower Federal Credit Union Platinum Mastercard Review
This is a rewards 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.
Key Takeaways
- APRs: Empower Federal Credit Union Platinum Mastercard has a variable regular purchase APR that ranges from 11.49% up to 17.99%.
- 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 security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Empower Federal Credit Union Platinum Mastercard
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Empower Federal Credit Union Platinum Mastercard FAQ
Does Empower Federal Credit Union Platinum Mastercard have a cash back or rewards program?
Empower Federal Credit Union Platinum Mastercard is a rewards card. This card features rewards for purchases in the following categories:
- Select Merchants
| Description |
Does Empower Federal Credit Union Platinum Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Empower Federal Credit Union Platinum Mastercard offer an annual loyalty bonus?
This card 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
- Cell Phone 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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Empower Federal Credit Union Platinum Mastercard has a variable purchase APR that ranges from 11.49% up to 17.99%. The card has a variable balance transfer APR that ranges from 11.49% up to 17.99%. It also has a variable cash advance APR that ranges from 11.49% up to 17.99%.
Does Empower Federal Credit Union Platinum Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Empower Federal Credit Union Platinum Mastercard 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 Empower Federal Credit Union Platinum Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
What is the customer service phone number for Empower Federal Credit Union Platinum Mastercard?
The customer service number for Empower Federal Credit Union Platinum Mastercard is (800) 462-5000.
What is the support contact email for Empower Federal Credit Union Platinum Mastercard?
The support contact email for Empower Federal Credit Union Platinum Mastercard is socialnet@empowerfcu.com.
How do people rate the customer service and user experience of Empower Federal Credit Union Platinum Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Empower Federal Credit Union Platinum Mastercard report your account activity to credit bureaus?
Yes, Empower Federal Credit Union Platinum Mastercard 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 Empower Federal Credit Union perform a hard credit pull?
Yes, Empower Federal Credit Union Platinum Mastercard 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 Empower Federal Credit Union Platinum Mastercard
- Visit the website of Empower Federal Credit Union Platinum Mastercard.
- 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.
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