Last Updated: 07/28/2025
Greenstate Credit Union Platinum Mastercard
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
11.9% - 18.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
11.9% - 18.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
Greenstate Credit Union Platinum Mastercard Review
This is a card issued by Greenstate Credit Union. If you're wondering whether Greenstate Credit Union Platinum Mastercard is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Greenstate Credit Union Platinum Mastercard has a fixed purchase APR that ranges from 11.9% up to 18.9%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Greenstate Credit Union Platinum Mastercard
| The Good | The Bad |
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Greenstate Credit Union Platinum Mastercard FAQ
Does Greenstate Credit Union Platinum Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Greenstate Credit Union Platinum Mastercard?
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.Greenstate Credit Union Platinum Mastercard has a fixed purchase APR that ranges from 11.9% up to 18.9%. The card has a fixed balance transfer APR that ranges from 11.9% up to 18.9%. It also has a fixed cash advance APR that ranges from 11.9% up to 18.9%.
Does Greenstate Credit Union Platinum Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.9% - 18.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Greenstate Credit Union Platinum Mastercard have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Greenstate Credit Union Platinum Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Greenstate Credit Union Platinum Mastercard have a foreign transaction fee?
Greenstate Credit Union Platinum Mastercard charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 Greenstate Credit Union Platinum Mastercard?
The customer service number for Greenstate Credit Union Platinum Mastercard is (800) 397-3790.
What is the support contact email for Greenstate Credit Union Platinum Mastercard?
The support contact email for Greenstate Credit Union Platinum Mastercard is mac@GreenState.org.
How do people rate the customer service and user experience of Greenstate Credit Union Platinum Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Greenstate Credit Union Platinum Mastercard report your account activity to credit bureaus?
Yes, Greenstate Credit Union Platinum Mastercard 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 Greenstate Credit Union perform a hard credit pull?
Yes, Greenstate Credit Union Platinum Mastercard 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 Greenstate Credit Union Platinum Mastercard
- Visit the website of Greenstate Credit Union Platinum Mastercard.
- 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.
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Hours of Operation
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Other Services by Greenstate Credit Union
Other Credit Cards from Greenstate Credit Union
Rating not yet determined
Purchase APR
13.9% - 20.9%
Disclaimer popup with additional information
Balance Transfer APR
13.9% - 20.9%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.9% - 20.9%
Disclaimer popup with additional information
Balance Transfer APR
13.9% - 20.9%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
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