Last Updated: 07/28/2025
Hanscom Federal Credit Union Platinum Secured Mastercard
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
8.49% - 17%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
8.49% - 17%(Verified 06/21/2024)
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Credit Score Range
500 - 850
Annual Fee
$0
Hanscom Federal Credit Union Platinum Secured Mastercard Review
This is a secured credit card issued by Hanscom Federal Credit Union. If you're wondering whether Hanscom Federal Credit Union Platinum Secured Mastercard is the right card for you, read on.
Key Takeaways
- APRs: Hanscom Federal Credit Union Platinum Secured Mastercard has a variable regular purchase APR that ranges from 8.49% up to 17%.
- 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 up to 1.1% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, price protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Hanscom Federal Credit Union Platinum Secured Mastercard
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Hanscom Federal Credit Union Platinum Secured Mastercard FAQ
Does Hanscom Federal Credit Union Platinum Secured Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Hanscom Federal Credit Union Platinum Secured 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.Hanscom Federal Credit Union Platinum Secured Mastercard has a variable purchase APR that ranges from 8.49% up to 17%. The card has a variable balance transfer APR that ranges from 8.49% up to 17%. It also has a variable cash advance APR that ranges from 8.49% up to 17%.
Note that late payments are subject to an APR of 17.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Hanscom Federal Credit Union Platinum Secured Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Hanscom Federal Credit Union Platinum Secured 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 Hanscom Federal Credit Union Platinum Secured Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Hanscom Federal Credit Union Platinum Secured Mastercard have a foreign transaction fee?
Hanscom Federal Credit Union Platinum Secured Mastercard charges a foreign transaction fee of up to 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 customer service phone number for Hanscom Federal Credit Union Platinum Secured Mastercard?
The customer service number for Hanscom Federal Credit Union Platinum Secured Mastercard is (800) 656-4328.
What is the support contact email for Hanscom Federal Credit Union Platinum Secured Mastercard?
The support contact email for Hanscom Federal Credit Union Platinum Secured Mastercard is info@hfcu.org.
What is the login page for Hanscom Federal Credit Union Platinum Secured Mastercard?
You can access the login page of Hanscom Federal Credit Union Platinum Secured Mastercard here.
How do people rate the customer service and user experience of Hanscom Federal Credit Union Platinum Secured Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Hanscom Federal Credit Union Platinum Secured Mastercard report your account activity to credit bureaus?
Yes, Hanscom Federal Credit Union Platinum Secured 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 Hanscom Federal Credit Union perform a hard credit pull?
Yes, Hanscom Federal Credit Union Platinum Secured 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 Hanscom Federal Credit Union Platinum Secured Mastercard
- Visit the website of Hanscom Federal Credit Union Platinum Secured 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.
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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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