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  Energy Capital Credit Union Platinum Mastercard

Energy Capital Credit Union Platinum Mastercard

in Personal Credit Cards from Energy Capital Credit Union

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Energy Capital Credit Union Platinum Mastercard

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in Personal Credit Cards from Energy Capital Credit Union

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Highlights
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.

Key Takeaways
  • 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.
Pros & Cons of Energy Capital Credit Union Platinum Mastercard
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.90%.
  • Multiple credit card perks.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Energy Capital Credit Union Platinum Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.00%.
  • You don't earn rewards on every purchase.
  • Charges a 2% balance transfer fee.
Energy Capital Credit Union Platinum Mastercard FAQ

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:

Energy Capital Credit Union Platinum Mastercard Rewards
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.

Energy Capital Credit Union Platinum Mastercard Balance Transfers
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:

Energy Capital Credit Union Platinum Mastercard Fees
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.

View Energy Capital 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 9:00am - 12:00pm

About Energy Capital Credit Union Platinum Mastercard

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View all personal credit cards offered by Energy Capital Credit Union

Availability

  Available in 1 state
Texas
Availabile in all of Texas

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
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
  • Emergency Support
  • Fraud Liability
Rewards Categories
  • Select Merchants
Cash Advance APR (Variable APR) Starting at 17.99
Balance Computation We use a method called “Average Daily Balance (including new purchases)."
Purchase APR (Variable APR) 8.99 - 17.99
Balance Transfer Introductory APR (Variable APR) 1.90
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 8.99 - 17.99
Balance Transfer Fee Minimum 10.00
Balance Transfer Fee % 2
Card Type
  • Rewards
Card Network Mastercard

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