SuperMoney
  Energy Capital Credit Union Platinum Reward Mastercard

Energy Capital Credit Union Platinum Reward Mastercard

in Personal Credit Cards from Energy Capital Credit Union

Unaffiliated

Energy Capital Credit Union Platinum Reward Mastercard

Unaffiliated

in Personal Credit Cards from Energy Capital Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Energy Capital Credit Union Platinum Reward Mastercard to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 9.99 - 17.99
Balance Transfer APR  (Variable APR) 9.99 - 17.99
Credit Score Range 600 - 699
Annual Fee N/A

Energy Capital Credit Union Platinum Reward Mastercard Review

This is a rewards credit card issued by Energy Capital Credit Union. If you're wondering whether Energy Capital Credit Union Platinum Reward 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 Reward Mastercard has a variable purchase APR that ranges from 9.99% up to 17.99%.
  • 2% Balance transfer fee. Energy Capital Credit Union Platinum Reward 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 rental insurance, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Energy Capital Credit Union Platinum Reward 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.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Energy Capital Credit Union Platinum Reward Mastercard is accepted.
  • Energy Capital Credit Union Platinum Reward Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.00%.
  • Charges a 2% balance transfer fee.
Energy Capital Credit Union Platinum Reward Mastercard FAQ

Does Energy Capital Credit Union Platinum Reward Mastercard have a cash back or rewards program?

Energy Capital Credit Union Platinum Reward Mastercard is a rewards card.

Energy Capital Credit Union Platinum Reward Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Energy Capital Credit Union Platinum Reward Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Energy Capital Credit Union Platinum Reward Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Energy Capital Credit Union Platinum Reward Mastercard benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Energy Capital Credit Union Platinum Reward 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 9.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 9.99% up to 17.99%. It also has a variable cash advance APR starting at 17.99% .

Does Energy Capital Credit Union Platinum Reward 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 Reward Mastercard Balance Transfers
Description
Balance Transfer Introductory APR 1.90
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 9.99 - 17.99
Balance Transfer Fee Minimum 10.00
Balance Transfer Fee % 2

Does Energy Capital Credit Union Platinum Reward 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 Reward Mastercard?

The following fees apply:

Energy Capital Credit Union Platinum Reward Mastercard Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1.00%
Returned Payment Fee up to $30.00

Does Energy Capital Credit Union Platinum Reward Mastercard have a foreign transaction fee?

Energy Capital Credit Union Platinum Reward 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 Reward Mastercard?

The Energy Capital Credit Union Platinum Reward Mastercard customer service number is (832) 604-4848.

What is the support contact email for Energy Capital Credit Union Platinum Reward Mastercard?

The support contact email for Energy Capital Credit Union Platinum Reward Mastercard is info@eccu.net.

Does Energy Capital Credit Union Platinum Reward Mastercard report your account activity to credit bureaus?

Yes, Energy Capital Credit Union Platinum Reward 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 Reward Mastercard

  • Visit the Energy Capital Credit Union Platinum Reward 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 Reward 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 Reward Mastercard

Icon for Personal Credit Cards
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 (%) 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
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Travel
  • Airfare
  • Car Rentals
  • Every Purchase
  • 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) 9.99 - 17.99
Balance Transfer Introductory APR (Variable APR) 1.90
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 9.99 - 17.99
Balance Transfer Fee Minimum 10.00
Balance Transfer Fee % 2
Card Type
  • Rewards
Card Network Mastercard

Be the first to rate

 

Would you recommend Energy Capital Credit Union Platinum Reward Mastercard to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Energy Capital Credit Union Personal Credit Cards

Loading...