Extra Credit Union Platinum Reward Mastercard Review

Extra Credit Union Platinum Reward Mastercard 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 is everything you need to know to make a good choice.

• 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 oods if your credit score is above600.

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%.

Is there a Extra Credit Union Platinum Reward Mastercard cash back or rewards program?

Extra Credit Union Platinum Reward Mastercard offers a rewards program to its customers.

Extra Credit Union Platinum Reward Mastercard Rewards

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

What are the Extra Credit Union Platinum Reward Mastercard benefits?

Extra Credit Union Platinum Reward Mastercard 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Extra Credit Union Platinum Reward Mastercard has lower than average purchase APRs.

Extra Credit Union Platinum Reward Mastercard 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%.

What are the fees for Extra Credit Union Platinum Reward Mastercard?

The following fees apply to Extra Credit Union Platinum Reward Mastercard:

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 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.