SuperMoney
  Lubrizol Employees Credit Union Platinum MasterCard

Lubrizol Employees Credit Union Platinum MasterCard

in Personal Credit Cards from Lubrizol Employees Credit Union

Unaffiliated

Lubrizol Employees Credit Union Platinum MasterCard

Unaffiliated

in Personal Credit Cards from Lubrizol Employees Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Lubrizol Employees Credit Union Platinum MasterCard to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Fixed APR) 8.9% - 12%
Balance Transfer APR  (Fixed APR) 8.9% - 12%
Credit Score Range 600 - 850
Annual Fee $0

Lubrizol Employees Credit Union Platinum MasterCard Review

Lubrizol Employees Credit Union Platinum MasterCard is a rewards credit card issued by Lubrizol Employees Credit Union. If you're wondering whether Lubrizol Employees Credit Union Platinum MasterCard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Lubrizol Employees Credit Union Platinum MasterCard has a fixed purchase APR that ranges from 8.9% up to 12%.
  • 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.
  • 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.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Lubrizol Employees Credit Union Platinum MasterCard Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Lubrizol Employees Credit Union Platinum MasterCard is accepted.
  • Lubrizol Employees Credit Union Platinum MasterCard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
Lubrizol Employees Credit Union Platinum MasterCard FAQ

Is there a Lubrizol Employees Credit Union Platinum MasterCard cash back or rewards program?

Lubrizol Employees Credit Union Platinum MasterCard offers a rewards program to its customers.

Lubrizol Employees Credit Union Platinum MasterCard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Lubrizol Employees Credit Union Platinum MasterCard have a signup bonus?

Lubrizol Employees Credit Union Platinum MasterCard doesn't offer a cash signup bonus.

Does Lubrizol Employees Credit Union Platinum MasterCard offer an annual loyalty bonus?

Lubrizol Employees Credit Union Platinum MasterCard doesn't offer a cash loyalty bonus.

What are the Lubrizol Employees Credit Union Platinum MasterCard benefits?

Lubrizol Employees Credit Union Platinum MasterCard provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Lubrizol Employees Credit Union Platinum MasterCard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Lubrizol Employees Credit Union Platinum MasterCard has lower than average purchase APRs.

Lubrizol Employees Credit Union Platinum MasterCard has a fixed purchase APR that ranges from 8.9% up to 12%. The card has a fixed balance transfer APR that ranges from 8.9% up to 12%. It also has a fixed cash advance APR that ranges from 8.9% up to 12%.

Does Lubrizol Employees Credit Union Platinum MasterCard have an introductory APR offer on balance transfers?

No, Lubrizol Employees Credit Union Platinum MasterCard does not come with an introductory APR offer for balance transfers.

Does Lubrizol Employees Credit Union Platinum MasterCard have an introductory APR offer on new purchases?

Lubrizol Employees Credit Union Platinum MasterCard does not offer an introductory rate on new purchases.

What are the fees for Lubrizol Employees Credit Union Platinum MasterCard?

The following fees apply to Lubrizol Employees Credit Union Platinum MasterCard:

Lubrizol Employees Credit Union Platinum MasterCard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $20
Late Payment Fee up to $20

Does Lubrizol Employees Credit Union Platinum MasterCard have a foreign transaction fee?

Lubrizol Employees Credit Union Platinum MasterCard 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 a foreign transaction fee.

Does Lubrizol Employees Credit Union Platinum MasterCard report your account activity to credit bureaus?

Yes, Lubrizol Employees Credit Union Platinum MasterCard 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 Lubrizol Employees Credit Union Platinum MasterCard

  • Visit the Lubrizol Employees Credit Union Platinum MasterCard 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 58:00pm - 18:00pm
  • Tuesday 58:00pm - 18:00pm
  • Wednesday 58:00pm - 18:00pm
  • Thursday 58:00pm - 18:00pm
  • Friday 58:00pm - 18:00pm
  • Saturday Closed

About Lubrizol Employees Credit Union Platinum MasterCard

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
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $20
Paper Statement Fee $3
Late Fee Amount Up to $20
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits Identity Theft Protection
Rewards Categories
  • Every Purchase
Cash Advance APR (Fixed APR) 8.9% - 12%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Fixed APR) 8.9% - 12%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer APR (Fixed APR) 8.9% - 12%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Mastercard

Be the first to rate

 

Would you recommend Lubrizol Employees Credit Union Platinum MasterCard to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards