InvesTex CU MasterCard Platinum Credit Card

InvesTex CU MasterCard Platinum Credit Card Review

This is a secured credit card credit card issued by InvesTex Credit Union. If you're wondering whether InvesTex CU MasterCard Platinum Credit Card is the right card for you, read on.

Key Takeaways

• 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 2% every time you make a transaction outside the U.S.
• Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• 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.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of InvesTex CU MasterCard Platinum Credit Card

The Good	The Bad
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 credit. InvesTex CU 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 CU MasterCard Platinum Credit Card FAQ

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

No, it does not offer a rewards program.

What are the InvesTex CU 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 CU MasterCard Platinum Credit Card?

It has a fixed purchase APR of up to 13.9%.

The card has a fixed balance transfer APR of up to 13.9%.

The card has a fixed cash advance APR of up to 13.9%.

What are the fees for InvesTex CU MasterCard Platinum Credit Card?

The following fees apply:

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

Yes, InvesTex CU 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 CU MasterCard Platinum Credit Card

• Visit the InvesTex CU 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.