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  InvesTex Credit Union MasterCard Platinum Credit Card

InvesTex Credit Union MasterCard Platinum Credit Card

in Personal Credit Cards from InvesTex Credit Union

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InvesTex Credit Union MasterCard Platinum Credit Card

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in Personal Credit Cards from InvesTex Credit Union

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Highlights
Purchase APR  (Fixed APR) 10.9% - 12.9%
Balance Transfer APR  (Fixed APR) 10.9% - 12.9%
Credit Score Range 600 - 850
Annual Fee $0

InvesTex Credit Union MasterCard Platinum Credit Card Review

This is a credit card issued by InvesTex Credit Union. If you're wondering whether InvesTex Credit Union MasterCard Platinum 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Competitive APRs. InvesTex Credit Union MasterCard Platinum Credit Card has a fixed purchase APR that ranges from 10.9% up to 12.9%.
  • 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 2% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, extended warranty protection on purchases, identity theft protection, price protection, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of InvesTex Credit Union MasterCard Platinum Credit Card
The Good The Bad
  • Without Rewards 10.9% With Rewards 12.9%
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • InvesTex Credit Union MasterCard Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
InvesTex Credit Union MasterCard Platinum Credit Card FAQ

Does InvesTex Credit Union MasterCard Platinum Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the InvesTex Credit Union MasterCard Platinum Credit Card benefits?

It provides the following benefits:

  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Reports to major credit bureaus

What are the relevant APRs for InvesTex Credit Union MasterCard Platinum 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 fixed purchase APR that ranges from 10.9% up to 12.9%. The card has a fixed balance transfer APR that ranges from 10.9% up to 12.9%. It also has a fixed cash advance APR that ranges from 10.9% up to 12.9%.

Does InvesTex Credit Union MasterCard Platinum Credit Card 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 12 months.

InvesTex Credit Union MasterCard Platinum Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 10.9% - 12.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does InvesTex Credit Union MasterCard Platinum 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 InvesTex Credit Union MasterCard Platinum Credit Card?

The following fees apply:

InvesTex Credit Union MasterCard Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $33
Late Payment Fee up to $28

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

Does InvesTex Credit Union MasterCard Platinum Credit Card have a foreign transaction fee?

InvesTex Credit Union MasterCard Platinum Credit Card 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 InvesTex Credit Union MasterCard Platinum Credit Card?

The InvesTex Credit Union MasterCard Platinum Credit Card customer service number is (281) 449-0109.

What is the support contact email for InvesTex Credit Union MasterCard Platinum Credit Card?

The support contact email for InvesTex Credit Union MasterCard Platinum Credit Card is info@investexcu.org.

Does InvesTex Credit Union MasterCard Platinum Credit Card report your account activity to credit bureaus?

Yes, InvesTex Credit Union MasterCard Platinum 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 InvesTex Credit Union MasterCard Platinum Credit Card

  • Visit the InvesTex Credit Union MasterCard Platinum 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 8:30am - 6:00pm
  • Tuesday 8:30am - 6:00pm
  • Wednesday 8:30am - 6:00pm
  • Thursday 8:30am - 6:00pm
  • Friday 8:30am - 6:00pm
  • Saturday 8:30am - 3:00pm

About InvesTex Credit Union MasterCard Platinum Credit Card

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View all personal credit cards offered by InvesTex 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

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 2%
Returned Payment Fee Up to $33
Late Fee Amount Up to $28
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Concierge
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 10.9% - 12.9%
Balance Computation a method called “average daily balance (including new purchases).”
Purchase APR (Fixed APR) 10.9% - 12.9%
Balance Transfer Introductory APR (Fixed APR) 0%
Balance Transfer Intro APR Period (Fixed APR) 12 months
Balance Transfer APR (Fixed APR) 10.9% - 12.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Low Interest
Card Network Mastercard

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