Last Updated: 07/28/2025
Tampa Bay FCU MasterCard Platinum Credit Card with Rewards
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.25% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
15.25% - 18.00%(Verified 06/21/2024)
Credit Score Range
670 - 850
Annual Fee
$10
Tampa Bay FCU MasterCard Platinum Credit Card with Rewards Review
This is a rewards card issued by Tampa Bay Federal Credit Union. If you're wondering whether Tampa Bay FCU MasterCard Platinum Credit Card with Rewards is the right card for you, read on.
Key Takeaways
- APRs: Tampa Bay FCU MasterCard Platinum Credit Card with Rewards has a variable regular purchase APR that ranges from 15.25% up to 18.00%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% 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, identity theft protection, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Tampa Bay FCU MasterCard Platinum Rewards
| The Good | The Bad |
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Tampa Bay FCU MasterCard Platinum Rewards FAQ
Does Tampa Bay FCU MasterCard Platinum Rewards have a cash back or rewards program?
Tampa Bay FCU MasterCard Platinum Rewards is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Tampa Bay FCU MasterCard Platinum Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does Tampa Bay FCU MasterCard Platinum Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Tampa Bay FCU MasterCard Platinum Rewards benefits?
Tampa Bay FCU MasterCard Platinum Credit Card with Rewards 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 Tampa Bay FCU MasterCard Platinum Rewards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Tampa Bay FCU MasterCard Platinum Credit Card with Rewards has a variable purchase APR that ranges from 15.25% up to 18.00%. The card has a variable balance transfer APR that ranges from 15.25% up to 18.00%. It also has a variable cash advance APR that ranges from 15.25% up to 18.00%.
Note that late payments are subject to an APR of 18.00% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Tampa Bay FCU MasterCard Platinum Rewards have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Tampa Bay FCU MasterCard Platinum Rewards 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 Tampa Bay FCU MasterCard Platinum Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $29 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $29 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $10.
There is a late fee of up to $35 . Does Tampa Bay FCU MasterCard Platinum Rewards have a foreign transaction fee?
Tampa Bay FCU MasterCard Platinum Rewards charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for Tampa Bay FCU MasterCard Platinum Rewards?
The customer service number for Tampa Bay FCU MasterCard Platinum Rewards is (813) 247-4414.
What is the support contact email for Tampa Bay FCU MasterCard Platinum Rewards?
The support contact email for Tampa Bay FCU MasterCard Platinum Rewards is marketing@tampabayfederal.com.
How do people rate the customer service and user experience of Tampa Bay FCU MasterCard Platinum Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Tampa Bay FCU MasterCard Platinum Credit Card with Rewards report your account activity to credit bureaus?
Yes, Tampa Bay FCU MasterCard Platinum Credit Card with Rewards reports to the following credit bureaus:
- 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 build your credit.
Does Tampa Bay Federal Credit Union perform a hard credit pull?
Yes, Tampa Bay FCU MasterCard Platinum Rewards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Tampa Bay FCU MasterCard Platinum Rewards
- Visit the website of Tampa Bay FCU MasterCard Platinum Rewards.
- 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.
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Hours of Operation
SundayClosedMonday9:00AM - 6:00PMTuesday9:00AM - 6:00PMWednesday10:00AM - 6:00PMThursday9:00AM - 6:00PMFriday9:00AM - 6:00PMSaturday9:00AM - 1:00PM
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Rating not yet determined
Purchase APR
14.25% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
14.25% - 18.00%
Disclaimer popup with additional information
Credit Score Range
620 - 850
300
850
Annual Fee
$0
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