ETPCU Platinum MasterCard

ETPCU Platinum MasterCard Review

This is a card issued by East Texas Professional Credit Union. If you're wondering whether etpcu platinum mastercard is the right card for you, read on.

Key Takeaways

• Competitive APRs. ETPCU Platinum MasterCard has a variable purchase APR that ranges from 7.95% up to 17.95%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 0.20% 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, emergency support, identity theft protection, purchase security, travel accident insurance, and fraud protection.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of etpcu platinum mastercard

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Identity Theft Protection. Travel accident insurance. Considers applicants with fair credit. No foreign transaction fee. ETPCU Platinum MasterCard reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 0.20%. You don't earn rewards on every purchase.

etpcu platinum mastercard FAQ

Does etpcu platinum mastercard have a cash back or rewards program?

No, it does not offer a rewards program.

What are the etpcu platinum mastercard benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for etpcu 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. This card has lower than average regular APRs.

ETPCU Platinum MasterCard has a variable purchase APR that ranges from 7.95% up to 17.95%. The card has a variable balance transfer APR that ranges from 7.95% up to 17.95%. It also has a variable cash advance APR that ranges from 7.95% up to 17.95%.

What are the fees for etpcu platinum mastercard?

The following fees apply:

• There is no overlimit fee

etpcu platinum mastercard Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Initial Program Fee	$
Foreign Transaction Fee	0.20%
Returned Payment Fee	Starting at $ up to $15
Late Payment Fee	Starting at up to $20

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does ETPCU Platinum MasterCard report your account activity to credit bureaus?

Yes, ETPCU 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 etpcu platinum mastercard

• Visit the etpcu 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.