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  InTouch Credit Union Platinum Rewards Mastercard Credit Card

InTouch Credit Union Platinum Rewards Mastercard Credit Card

in Personal Credit Cards from InTouch Credit Union

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InTouch Credit Union Platinum Rewards Mastercard Credit Card

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in Personal Credit Cards from InTouch Credit Union

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Highlights
Purchase APR  (Variable APR) 9.25% - 16%
Balance Transfer APR  (Variable APR) 9.25% - 16%
Credit Score Range 650 - 850
Annual Fee $0

InTouch Credit Union Platinum Rewards Mastercard Credit Card Review

This is a rewards credit card issued by InTouch Credit Union. If you're wondering whether InTouch Credit Union Platinum Rewards Mastercard Credit Card 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. InTouch Credit Union Platinum Rewards Mastercard Credit Card has a variable purchase APR that ranges from 9.25% up to 16%.
  • 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.
  • 3% Balance transfer fee. InTouch Credit Union Platinum Rewards Mastercard Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of InTouch Credit Union Platinum Rewards Mastercard Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Cardholders can earn rewards on purchases everywhere InTouch Credit Union Platinum Rewards Mastercard Credit Card is accepted.
  • InTouch Credit Union Platinum Rewards Mastercard Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.
InTouch Credit Union Platinum Rewards Mastercard Credit Card FAQ

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

InTouch Credit Union Platinum Rewards Mastercard Credit Card is a rewards card.

InTouch Credit Union Platinum Rewards Mastercard Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does InTouch Credit Union Platinum Rewards Mastercard Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

What are the InTouch Credit Union Platinum Rewards Mastercard Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Cell Phone Protection
  • Reports to major credit bureaus

What are the relevant APRs for InTouch Credit Union Platinum Rewards Mastercard Credit Card?

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 variable purchase APR that ranges from 9.25% up to 16%. The card has a variable balance transfer APR that ranges from 9.25% up to 16%. The card has a variable cash advance APR of up to 17.75%.

Does InTouch Credit Union Platinum Rewards Mastercard Credit Card have an intro APR offer on balance transfers?

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

Does InTouch Credit Union Platinum Rewards Mastercard Credit Card 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 InTouch Credit Union Platinum Rewards Mastercard Credit Card?

The following fees apply:

InTouch Credit Union Platinum Rewards Mastercard Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
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 rewards card.

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

InTouch Credit Union Platinum Rewards Mastercard Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 InTouch Credit Union Platinum Rewards Mastercard Credit Card?

The InTouch Credit Union Platinum Rewards Mastercard Credit Card customer service number is (800) 337-3328.

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

The support contact email for InTouch Credit Union Platinum Rewards Mastercard Credit Card is complaints@itcu.org .

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

Yes, InTouch Credit Union Platinum Rewards Mastercard Credit Card 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 InTouch Credit Union Platinum Rewards Mastercard Credit Card

  • Visit the InTouch Credit Union Platinum Rewards Mastercard Credit Card 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 - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 12:30pm

About InTouch Credit Union Platinum Rewards Mastercard Credit Card

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View all personal credit cards offered by InTouch Credit Union

Availability

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

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) $10 - $35
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $2
Returned Payment Fee Up to $25
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
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) Up to 17.75%
Balance Computation "average daily balance (including new purchases)."
Purchase APR (Variable APR) 9.25% - 16%
Balance Transfer APR (Variable APR) 9.25% - 16%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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