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  InvesTex Credit Union MasterCard Platinum Secured Credit Card

InvesTex Credit Union MasterCard Platinum Secured Credit Card

in Personal Credit Cards from InvesTex Credit Union

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InvesTex Credit Union MasterCard Platinum Secured Credit Card

Unaffiliated

in Personal Credit Cards from InvesTex Credit Union

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Highlights
Purchase APR  (Fixed APR) Up to 13.9%
Balance Transfer APR  (Fixed APR) Up to 13.9%
Credit Score Range 500 - 850
Annual Fee $0

InvesTex Credit Union MasterCard Platinum Secured Credit Card Review

This is a secured credit card credit card issued by InvesTex Credit Union. If you're wondering whether InvesTex Credit Union MasterCard Platinum Secured 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
  • 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 good approval odds.
Pros & Cons of InvesTex Credit Union MasterCard Platinum Secured 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 or poor credit.
  • InvesTex Credit Union MasterCard Platinum Secured 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 Secured Credit Card FAQ

Does InvesTex Credit Union MasterCard Platinum Secured 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 Secured 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 Secured 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%.

Does InvesTex Credit Union MasterCard Platinum Secured Credit Card have an intro APR offer on balance transfers?

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

Does InvesTex Credit Union MasterCard Platinum Secured 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 Secured Credit Card?

The following fees apply:

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

InvesTex Credit Union MasterCard Platinum Secured 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 Secured Credit Card?

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

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

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

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

Yes, InvesTex Credit Union MasterCard Platinum Secured 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 Secured Credit Card

  • Visit the InvesTex Credit Union MasterCard Platinum Secured 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 Secured Credit Card

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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 500 - 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) Up to 13.9%
Balance Computation a method called “average daily balance (including new purchases).”
Purchase APR (Fixed APR) Up to 13.9%
Balance Transfer APR (Fixed APR) Up to 13.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Secured
Card Network Mastercard

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