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  InvesTex CU MasterCard Platinum Credit Card
InvesTex CU MasterCard Platinum Credit Card Unaffiliated

InvesTex CU MasterCard Platinum Credit Card

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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 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%.

Does InvesTex CU MasterCard Platinum 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 CU 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 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 have a foreign transaction fee?

InvesTex CU 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 CU MasterCard Platinum Credit Card?

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

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

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

What is the InvesTex CU MasterCard Platinum Credit Card login page?

You can access the InvesTex CU MasterCard Platinum Credit Card login page here.

How do people rate the customer service and user experience of InvesTex CU MasterCard Platinum Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

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 CU MasterCard Platinum Credit Card

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View all credit cards offered by InvesTex Credit Union

Availability

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

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 2%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $33
Late Fee Amount Up to $28
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Price Protection
  • Fraud Liability
  • Concierge
Rewards Type No Rewards
Cash Advance APR (Fixed APR) Up to 13.9%
APR Type Fixed APR
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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