Last Updated: 07/28/2025
Energy Capital Credit Union Platinum Reward Mastercard
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
9.99% - 17.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
9.99% - 17.99%(Verified 06/21/2024)
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Credit Score Range
600 - 699
Annual Fee
N/A
Energy Capital Credit Union Platinum Reward Mastercard Review
This is a rewards 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.
Key Takeaways
- APRs: Energy Capital Credit Union Platinum Reward Mastercard has a variable regular purchase APR that ranges from 9.99% up to 17.99%.
- A 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 up to 1.00% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, price protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Energy Capital Credit Union Platinum Reward Mastercard
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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.
| Description |
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?
Energy Capital Credit Union Platinum Reward Mastercard 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Energy Capital Credit Union Platinum Reward Mastercard 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 9.99% - 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10.00 - $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
There is a late fee starting at $25.00. 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 up to 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 customer service number for Energy Capital Credit Union Platinum Reward Mastercard 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.
What is the login page for Energy Capital Credit Union Platinum Reward Mastercard?
You can access the login page of Energy Capital Credit Union Platinum Reward Mastercard here.
How do people rate the customer service and user experience of Energy Capital Credit Union Platinum Reward Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Energy Capital Credit Union Platinum Reward Mastercard report your account activity to credit bureaus?
Yes, Energy Capital Credit Union Platinum Reward 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 Energy Capital Credit Union perform a hard credit pull?
Yes, Energy Capital Credit Union Platinum Reward 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 Energy Capital Credit Union Platinum Reward Mastercard
- Visit the website of Energy Capital Credit Union Platinum Reward 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 Energy Capital Credit Union Platinum Reward Mastercard's published terms & conditions
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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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