Energy Capital Credit Union Platinum Mastercard
in Personal Credit Cards from Energy Capital Credit Union
UnaffiliatedEnergy Capital Credit Union Platinum Mastercard
in Personal Credit Cards from Energy Capital Credit Union
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| Purchase APR (Variable APR) | 8.99 - 17.99 |
| Balance Transfer APR (Variable APR) | 8.99 - 17.99 |
| Credit Score Range | 600 - 699 |
| Annual Fee | N/A |
Energy Capital Credit Union Platinum Mastercard Review
This is a rewards credit card issued by Energy Capital Credit Union. If you're wondering whether Energy Capital Credit Union Platinum Mastercard 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.
- Competitive APRs. Energy Capital Credit Union Platinum Mastercard has a variable purchase APR that ranges from 8.99% up to 17.99%.
- 2% Balance transfer fee. Energy Capital Credit Union Platinum Mastercard charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $10.00.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.00% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, 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.
| The Good | The Bad |
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Does Energy Capital Credit Union Platinum Mastercard have a cash back or rewards program?
Energy Capital Credit Union Platinum Mastercard is a rewards card. This card features rewards for purchases in the following categories:
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Energy Capital Credit Union Platinum Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Energy Capital Credit Union Platinum Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Energy Capital Credit Union Platinum Mastercard benefits?
It provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Reports to major credit bureaus
What are the relevant APRs for Energy Capital Credit Union Platinum Mastercard?
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 8.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 8.99% up to 17.99%. It also has a variable cash advance APR starting at 17.99% .
Does Energy Capital Credit Union Platinum Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.90% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 1.90 |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 8.99 - 17.99 |
| Balance Transfer Fee Minimum | 10.00 |
| Balance Transfer Fee % | 2 |
Does Energy Capital 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 Energy Capital Credit Union Platinum Mastercard?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | |
| Foreign Transaction Fee | 1.00% |
| Returned Payment Fee | up to $30.00 |
Does Energy Capital Credit Union Platinum Mastercard have a foreign transaction fee?
Energy Capital Credit Union Platinum Mastercard charges a foreign transaction fee of 1.00%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Energy Capital Credit Union Platinum Mastercard?
The Energy Capital Credit Union Platinum Mastercard customer service number is (832) 604-4848.
Does Energy Capital Credit Union Platinum Mastercard report your account activity to credit bureaus?
Yes, Energy Capital Credit Union Platinum Mastercard reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Energy Capital Credit Union Platinum Mastercard
- Visit the Energy Capital Credit Union Platinum Mastercard website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
18540 Northwest Fwy
Houston, TX 77065 - (832) 604-4848
- Visit Site
About Energy Capital Credit Union Platinum Mastercard
Availability
Feature Breakdown
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | 10.00 |
| Cash Advance Fee (%) | Starting at 3 |
| Minimum Cash Advance Fee ($) | 10.00 - 35.00 |
| Foreign Currency Transaction Fee | 1.00 |
| Returned Payment Fee | Up to 30.00 |
| Late Fee Amount | Starting at 25.00 |
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