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  ETPCU Platinum MasterCard CashBack Rewards
ETPCU Platinum MasterCard CashBack Rewards
in Credit Cards from East Texas Professional Credit Union
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ETPCU Platinum MasterCard CashBack Rewards

Unaffiliated
in Credit Cards from East Texas Professional Credit Union
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Highlights
Purchase APR  (Variable APR) 11.95% - 17.95%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 11.95% - 17.95%
(Verified 08/04/2023)
Credit Score Range 620 - 850
Annual Fee N/A

ETPCU Platinum MasterCard CashBack Rewards Review

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

Key Takeaways

  • Competitive APRs. ETPCU Platinum MasterCard CashBack Rewards has a variable purchase APR that ranges from 11.95% up to 17.95%.
  • 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, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 620.

Pros & Cons of etpcu cashback rewards card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers Auto Rental Collision Damage Waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • ETPCU Platinum MasterCard CashBack Rewards reports to multiple credit bureaus.
  • N/A
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 0.20%.

etpcu cashback rewards card FAQ

Does etpcu cashback rewards card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

etpcu cashback rewards card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does etpcu cashback rewards card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does etpcu cashback rewards card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the etpcu cashback rewards card benefits?

It provides the following benefits:

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

What are the relevant APRs for etpcu cashback rewards card?

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 CashBack Rewards has a variable purchase APR that ranges from 11.95% up to 17.95%. The card has a variable balance transfer APR that ranges from 11.95% up to 17.95%. It also has a variable cash advance APR that ranges from 11.95% up to 17.95%.

Does etpcu cashback rewards card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does etpcu cashback rewards card 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 etpcu cashback rewards card?

The following fees apply:

etpcu cashback rewards card Fees
Fees Amount
Annual Fee N/A
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee 0.20%
Returned Payment Fee Starting at $ up to $15
Late Payment Fee Starting at up to $20

Does etpcu cashback rewards card have a foreign transaction fee?

etpcu cashback rewards card charges a foreign transaction fee of 0.20%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $4. 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 etpcu cashback rewards card?

The etpcu cashback rewards card customer service number is (800) 256-5009.

What is the support contact email for etpcu cashback rewards card?

The support contact email for etpcu cashback rewards card is support@etpcu.org.

What is the etpcu cashback rewards card login page?

You can access the etpcu cashback rewards card login page here.

How do people rate the customer service and user experience of etpcu cashback rewards card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, ETPCU Platinum MasterCard CashBack Rewards 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 cashback rewards card

  • Visit the etpcu cashback rewards card 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.

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 - 5:00pm

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0.20%
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $15
Late Fee Amount Up to $20
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 620 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Starting at 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 11.95% - 17.95%
APR Type Variable APR
Balance Computation We use a method called "average daily balance (including new purchases)."
Purchase APR (Variable APR) 11.95% - 17.95%
(Verified 08/04/2023)
Balance Transfer APR (Variable APR) 11.95% - 17.95%
(Verified 08/04/2023)
Card Type
  • Rewards
  • Cashback
Card Network Mastercard

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