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  Pinnacle Financial Partners Mastercard Platinum Credit Card

Pinnacle Financial Partners Mastercard Platinum Credit Card

in Personal Credit Cards from Pinnacle Financial Partners

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Pinnacle Financial Partners Mastercard Platinum Credit Card

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in Personal Credit Cards from Pinnacle Financial Partners

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Highlights
Purchase APR  (Variable APR) 8.99% - 16.99%
Balance Transfer APR  (Variable APR) 8.99% - 16.99%
Credit Score Range 600 - 850
Annual Fee $0

Pinnacle Financial Partners Mastercard Platinum Credit Card Review

This is a credit card issued by Pinnacle Financial Partners. If you're wondering whether Pinnacle Financial Partners 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 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Pinnacle Financial Partners Mastercard Platinum Credit Card has a variable purchase APR that ranges from 8.99% up to 16.99%.
  • 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.
  • 3% Balance transfer fee. Pinnacle Financial Partners Mastercard Platinum Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.5% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, price protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Pinnacle Financial Partners Mastercard Platinum Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty and price protection on purchases.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • Pinnacle Financial Partners 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 1.5%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
Pinnacle Financial Partners Mastercard Platinum Credit Card FAQ

Does Pinnacle Financial Partners Mastercard Platinum Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Pinnacle Financial Partners Mastercard Platinum Credit Card benefits?

It provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Pinnacle Financial Partners 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 variable purchase APR that ranges from 8.99% up to 16.99%. The card has a variable balance transfer APR that ranges from 8.99% up to 16.99%. It also has a variable cash advance APR of 21% .

Does Pinnacle Financial Partners 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 6 months.

Pinnacle Financial Partners Mastercard Platinum Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 8.99% - 16.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does Pinnacle Financial Partners Mastercard Platinum Credit Card have an intro APR offer on new purchases?

Pinnacle Financial Partners Mastercard Platinum Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Pinnacle Financial Partners Mastercard Platinum Credit Card?

The following fees apply:

  • There is no overlimit fee
Pinnacle Financial Partners Mastercard Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1.5%
Returned Payment Fee up to $35
Late Payment Fee up to $35

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

Does Pinnacle Financial Partners Mastercard Platinum Credit Card have a foreign transaction fee?

Pinnacle Financial Partners Mastercard Platinum Credit Card charges a foreign transaction fee of 1.5%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $30. 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 Pinnacle Financial Partners Mastercard Platinum Credit Card?

The Pinnacle Financial Partners Mastercard Platinum Credit Card customer service number is (615) 744-3705.

What is the support contact email for Pinnacle Financial Partners Mastercard Platinum Credit Card?

The support contact email for Pinnacle Financial Partners Mastercard Platinum Credit Card is last@pnfp.com.

Does Pinnacle Financial Partners Mastercard Platinum Credit Card report your account activity to credit bureaus?

Yes, Pinnacle Financial Partners 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 Pinnacle Financial Partners Mastercard Platinum Credit Card

  • Visit the Pinnacle Financial Partners 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 8:00am - 4:00pm
  • Tuesday 8:00am - 4:00pm
  • Wednesday 8:00am - 4:00pm
  • Thursday 8:00am - 4:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

Other Services by Pinnacle Financial Partners

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Availability

  Available in 6 states
  • Georgia
  • Mississippi
  • North Carolina
  • South Carolina
  • Tennessee
  • Virginia

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1.5%
Minimum Interest Charge $1
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
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
  • Extended Warranty Protection
  • Price Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 21%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 8.99% - 16.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 8.99% - 16.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
Card Network Mastercard

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