Last Updated: 07/28/2025
ETPCU Platinum MasterCard CashBack Rewards
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.95% - 17.95%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
11.95% - 17.95%(Verified 06/21/2024)
Credit Score Range
620 - 850
Annual Fee
N/A
ETPCU Platinum MasterCard CashBack Rewards Review
This is a cashback credit card issued by East Texas Professional Credit Union. If you're wondering whether ETPCU Platinum MasterCard CashBack Rewards is the right card for you, read on.
Key Takeaways
- APRs: ETPCU Platinum MasterCard CashBack Rewards has a variable regular 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 up to 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 you have a fair credit score or better.
Pros & Cons of etpcu cashback rewards card
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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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Starting at 1 every month | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
ETPCU Platinum MasterCard CashBack Rewards 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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?
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| Returned Payment Fee | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0.20% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does etpcu cashback rewards card have a foreign transaction fee?
etpcu cashback rewards card charges a foreign transaction fee of up to 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 customer service number for etpcu cashback rewards card 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 login page for etpcu cashback rewards card?
You can access the login page of etpcu cashback rewards card 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 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 East Texas Professional Credit Union perform a hard credit pull?
Yes, etpcu cashback rewards card 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 etpcu cashback rewards card
- Visit the website of etpcu cashback rewards card.
- 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.
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