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  Extra Credit Union Platinum Reward Mastercard

Extra Credit Union Platinum Reward Mastercard

in Personal Credit Cards from Extra Credit Union

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Extra Credit Union Platinum Reward Mastercard

Unaffiliated

in Personal Credit Cards from Extra Credit Union

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Highlights
Purchase APR  (Variable APR) 12.95 - 18.95
Balance Transfer APR  (Variable APR) 12.95 - 18.95
Credit Score Range 600 - 699
Annual Fee N/A

Extra Credit Union Platinum Reward Mastercard Review

This is a rewards credit card issued by Extra Credit Union. If you're wondering whether Extra Credit Union Platinum Reward Mastercard is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Extra Credit Union Platinum Reward Mastercard has a variable purchase APR that ranges from 12.95% up to 18.95%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.00% every time you make a transaction outside the U.S.
  • Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, 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 odds if your credit score is above 600.
Pros & Cons of Extra Credit Union Platinum Reward Mastercard
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Extra Credit Union Platinum Reward Mastercard is accepted.
  • Extra Credit Union Platinum Reward Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.00%.
Extra Credit Union Platinum Reward Mastercard FAQ

Does Extra Credit Union Platinum Reward Mastercard have a cash back or rewards program?

Extra Credit Union Platinum Reward Mastercard is a rewards card.

Extra Credit Union Platinum Reward Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Extra Credit Union Platinum Reward Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Extra Credit Union Platinum Reward Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Extra Credit Union Platinum Reward Mastercard benefits?

It provides the following benefits:

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

What are the relevant APRs for Extra Credit Union Platinum Reward 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.95% up to 18.95%. The card has a variable balance transfer APR that ranges from 12.95% up to 18.95%. It also has a variable cash advance APR that ranges from 12.95% up to 18.95%.

Does Extra Credit Union Platinum Reward Mastercard have an intro APR offer on balance transfers?

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

Does Extra 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 Extra Credit Union Platinum Reward Mastercard?

The following fees apply:

Extra Credit Union Platinum Reward Mastercard Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1.00%
Returned Payment Fee up to $25.00
Late Payment Fee up to $25.00

Does Extra Credit Union Platinum Reward Mastercard have a foreign transaction fee?

Extra Credit Union Platinum Reward Mastercard charges a foreign transaction fee of 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 Extra Credit Union Platinum Reward Mastercard?

The Extra Credit Union Platinum Reward Mastercard customer service number is (877) 638-7628.

What is the support contact email for Extra Credit Union Platinum Reward Mastercard?

The support contact email for Extra Credit Union Platinum Reward Mastercard is info@extracreditunion.org.

Does Extra Credit Union Platinum Reward Mastercard report your account activity to credit bureaus?

Yes, Extra Credit Union Platinum Reward 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 Extra Credit Union Platinum Reward Mastercard

  • Visit the Extra Credit Union Platinum Reward 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.

View Extra Credit Union Platinum Reward Mastercard's published terms & conditions.
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 11:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

About Extra Credit Union Platinum Reward Mastercard

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View all personal credit cards offered by Extra Credit Union

Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

No Annual Fee
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.00
Returned Payment Fee Up to 25.00
Late Fee Amount Up to 25.00
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 699
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Concierge
  • Airport Lounge Access
Rewards Categories
  • Travel
  • Airfare
  • Insurance
  • Every Purchase
  • Select Merchants
Cash Advance APR (Variable APR) 12.95 - 18.95
Balance Computation We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash advances)."
Purchase APR (Variable APR) 12.95 - 18.95
Balance Transfer APR (Variable APR) 12.95 - 18.95
Card Type
  • Rewards
Card Network Mastercard

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