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  Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card

Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card

in Personal Credit Cards from Pinnacle Financial Partners

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Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card

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in Personal Credit Cards from Pinnacle Financial Partners

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Highlights
Purchase APR  (Variable APR) 12.99% - 18.99%
Balance Transfer APR  (Variable APR) 12.99% - 18.99%
Credit Score Range 650 - 850
Annual Fee $0

Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card Review

This is a rewards credit card issued by Pinnacle Financial Partners. If you're wondering whether Pinnacle Financial Partners Mastercard Platinum Rewards 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
  • Signup bonus. Offers a signup bonus of $50 if you spend $1000 within 3 months.
  • Competitive APRs. Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card has a variable purchase APR that ranges from 12.99% up to 18.99%.
  • 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.
  • 3% Balance transfer fee. Pinnacle Financial Partners Mastercard Platinum Rewards 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, purchase protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card is accepted.
  • Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1.5%.
  • Charges a 3% balance transfer fee.
Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card FAQ

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

Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card is a rewards card.

Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Up to $50
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $50 after spending $1000.

Does Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It provides the following benefits:

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

What are the relevant APRs for Pinnacle Financial Partners Mastercard Platinum Rewards 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 12.99% up to 18.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 18.99%. It also has a variable cash advance APR of 21% .

Does Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card have an intro APR offer on balance transfers?

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

Does Pinnacle Financial Partners Mastercard Platinum Rewards 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 Pinnacle Financial Partners Mastercard Platinum Rewards Credit Card?

The following fees apply:

  • There is no overlimit fee
Pinnacle Financial Partners Mastercard Platinum Rewards 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 rewards card.

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

Pinnacle Financial Partners Mastercard Platinum Rewards 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 Rewards Credit Card?

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

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

Yes, Pinnacle Financial Partners Mastercard Platinum Rewards 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 Rewards Credit Card

  • Visit the Pinnacle Financial Partners Mastercard Platinum Rewards 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

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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Rates
  • Every Purchase
Signup Bonus $50
Cash Advance APR (Variable APR) 21%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 12.99% - 18.99%
Balance Transfer APR (Variable APR) 12.99% - 18.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
Card Network Mastercard

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