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  Greenstate Credit Union Platinum Rewards Mastercard

Greenstate Credit Union Platinum Rewards Mastercard

in Personal Credit Cards from Greenstate Credit Union

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Greenstate Credit Union Platinum Rewards Mastercard

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in Personal Credit Cards from Greenstate Credit Union

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Highlights
Purchase APR  (Fixed APR) 13.9% - 20.9%
Balance Transfer APR  (Fixed APR) 13.9% - 20.9%
Credit Score Range 650 - 850
Annual Fee $0

Greenstate Credit Union Platinum Rewards Mastercard Review

This is a rewards credit card issued by Greenstate Credit Union. If you're wondering whether Greenstate Credit Union Platinum Rewards 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
  • Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
  • 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.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Signup bonus. Offers a signup bonus of 5000 points after spending $500 within 2 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Greenstate Credit Union Platinum Rewards Mastercard has a fixed purchase APR that ranges from 13.9% up to 20.9%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, 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 2% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Greenstate Credit Union Platinum Rewards Mastercard
The Good The Bad
  • Every purchase you make earns bonus points that can be redeemed for cash, plane tickets, merchandise, and much more.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Greenstate Credit Union Platinum Rewards Mastercard is accepted.
  • Greenstate Credit Union Platinum Rewards Mastercard reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 2%.
  • Does not include many credit card benefits.
Greenstate Credit Union Platinum Rewards Mastercard FAQ

Does Greenstate Credit Union Platinum Rewards Mastercard have a cash back or rewards program?

Greenstate Credit Union Platinum Rewards Mastercard is a rewards card.

Greenstate Credit Union Platinum Rewards Mastercard Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 5000
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 2 months

Does Greenstate Credit Union Platinum Rewards Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 5000 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

Does Greenstate Credit Union Platinum Rewards Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Greenstate Credit Union Platinum Rewards Mastercard benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Greenstate Credit Union Platinum Rewards 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 fixed purchase APR that ranges from 13.9% up to 20.9%. The card has a fixed balance transfer APR that ranges from 13.9% up to 20.9%. It also has a fixed cash advance APR that ranges from 13.9% up to 20.9%.

Does Greenstate Credit Union Platinum Rewards 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 up to 6 months.

Greenstate Credit Union Platinum Rewards Mastercard Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 13.9% - 20.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Greenstate Credit Union Platinum Rewards Mastercard have an intro APR offer on new purchases?

Greenstate Credit Union Platinum Rewards Mastercard Purchase Intro Offer
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 up to 6 months.

What are the fees for Greenstate Credit Union Platinum Rewards Mastercard?

The following fees apply:

  • There is no overlimit fee
Greenstate Credit Union Platinum Rewards Mastercard Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $25
Late Payment Fee up to $30

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

Does Greenstate Credit Union Platinum Rewards Mastercard have a foreign transaction fee?

Greenstate Credit Union Platinum Rewards Mastercard charges a foreign transaction fee of 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 Rewards Mastercard?

The Greenstate Credit Union Platinum Rewards Mastercard customer service number is (800) 397-3790.

What is the support contact email for Greenstate Credit Union Platinum Rewards Mastercard?

The support contact email for Greenstate Credit Union Platinum Rewards Mastercard is mac@GreenState.org.

Does Greenstate Credit Union Platinum Rewards Mastercard report your account activity to credit bureaus?

Yes, Greenstate Credit Union Platinum Rewards 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 Greenstate Credit Union Platinum Rewards Mastercard

  • Visit the Greenstate Credit Union Platinum Rewards 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 9:00am - 12:00pm

About Greenstate Credit Union Platinum Rewards Mastercard

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View all personal credit cards offered by Greenstate 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

Introductory Rate 0%
Purchase Intro APR Period (Fixed APR) 6 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 2%
Returned Payment Fee Up to $25
Late Fee Amount Up to $30
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Rates
  • Gas
  • Groceries
  • Every Purchase
Signup Bonus (points) 5,000
Cash Advance APR (Fixed APR) 13.9% - 20.9%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Fixed APR) 13.9% - 20.9%
Balance Transfer Introductory APR (Fixed APR) 0%
Balance Transfer Intro APR Period (Fixed APR) 6 months
Balance Transfer APR (Fixed APR) 13.9% - 20.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
Card Network Mastercard

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