Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard Review

Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard is a rewards credit card issued by Evansville Teachers Federal Credit Union. If you're wondering whether Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
• Competitive APRs. Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard has a variable purchase APR that ranges from 6.25% up to 13.95%.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good

The Bad

Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 6 months. No balance transfer fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Considers applicants with fair or poor credit. Cardholders can earn rewards on purchases everywhere Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard is accepted. Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1%.

Is there a Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard cash back or rewards program?

Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard offers a rewards program to its customers.

Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard Rewards

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

What are the Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard benefits?

Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard provides the following benefits:

• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard has lower than average purchase APRs.

Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard has a variable purchase APR that ranges from 6.25% up to 13.95%. The card has a variable balance transfer APR that ranges from 6.25% up to 13.95%. It also has a variable cash advance APR that ranges from 6.25% up to 13.95%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard?

The following fees apply to Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard:

Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard Fees

Fees	Amount
Annual Fee
Foreign Transaction Fee	1%
Returned Payment Fee	up to $27.00
Late Payment Fee	up to $27.00

Does Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard report your account activity to credit bureaus?

Yes, Evansville Teachers Federal Credit Union Platinum Prime Plus 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 Evansville Teachers Federal Credit Union Platinum Prime Plus Mastercard

• Visit the Evansville Teachers Federal Credit Union Platinum Prime Plus 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.