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  Genisys Platinum Credit Mastercard
Genisys Platinum Credit Mastercard Unaffiliated

Genisys Platinum Credit Mastercard

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Highlights
Purchase APR  (Variable APR) 9.9% - 18%
Balance Transfer APR  (Variable APR) 9.9% - 18%
Credit Score Range 600 - 850
Annual Fee $0

Genisys Platinum Credit Mastercard Review

This is a credit card issued by Genisys Credit Union. If you're wondering whether Genisys Platinum Credit 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. Genisys Platinum Credit Mastercard has a variable purchase APR that ranges from 9.9% up to 18%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Genisys Platinum Credit Mastercard
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • Genisys Platinum Credit Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1.1%.
  • You don't earn rewards on every purchase.
Genisys Platinum Credit Mastercard FAQ

Does Genisys Platinum Credit Mastercard have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Genisys Platinum Credit Mastercard benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Genisys Platinum Credit 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. This card has lower than average regular APRs.

Genisys Platinum Credit Mastercard has a variable purchase APR that ranges from 9.9% up to 18%. The card has a variable balance transfer APR that ranges from 9.9% up to 18%. It also has a variable cash advance APR that ranges from 9.9% up to 18%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Genisys Platinum Credit Mastercard have an intro APR offer on balance transfers?

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

Does Genisys Platinum Credit 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 Genisys Platinum Credit Mastercard?

The following fees apply:

Genisys Platinum Credit Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1.1%
Returned Payment Fee up to $26
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Genisys Platinum Credit Mastercard have a foreign transaction fee?

Genisys Platinum Credit Mastercard charges a foreign transaction fee of 1.1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $22. 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 support contact email for Genisys Platinum Credit Mastercard?

The support contact email for Genisys Platinum Credit Mastercard is info@genisyscu.org.

How do people rate the customer service and user experience of Genisys Platinum Credit Mastercard?

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

Does Genisys Platinum Credit Mastercard report your account activity to credit bureaus?

Yes, Genisys Platinum Credit 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 Genisys Platinum Credit Mastercard

  • Visit the Genisys Platinum Credit 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.

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 - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 5:30pm
  • Saturday Closed

About Genisys Platinum Credit Mastercard

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View all personal credit cards offered by Genisys Credit Union

Availability

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

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 28 days
Foreign Currency Transaction Fee 1.1%
Returned Payment Fee Up to $26
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 9.9% - 18%
Balance Computation Average daily balance (including new transactions).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 9.9% - 18%
Balance Transfer APR (Variable APR) 9.9% - 18%
Balance Transfer Fee % 0%
Card Type
  • Low Interest
Card Network Mastercard

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