Last Updated: 07/28/2025
TruWest Credit Union Platinum Points Card
Unaffiliated
in Credit Cards from TruWest Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.65% - 19.65%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
12.65% - 19.65%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
TruWest Credit Union Platinum Points Card Review
This is a rewards card issued by TruWest Credit Union. If you're wondering whether TruWest Credit Union Platinum Points Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 18 months.
- APRs: TruWest Credit Union Platinum Points Card has a variable regular purchase APR that ranges from 12.65% up to 19.65%.
- 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.
- A 3% balance transfer fee. TruWest Credit Union Platinum Points Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 0.8% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, travel assistance, and fraud protection.
Pros & Cons of truwest credit card
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truwest credit card FAQ
Does truwest credit card have a cash back or rewards program?
truwest credit card is a rewards card.
| Description |
Does truwest credit card have a signup bonus?
This card doesn't offer a cash signup bonus.Does truwest credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the truwest credit card benefits?
TruWest Credit Union Platinum Points Card provides the following benefits:
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for truwest credit card?
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.TruWest Credit Union Platinum Points Card has a variable purchase APR that ranges from 12.65% up to 19.65%. The card has a variable balance transfer APR that ranges from 12.65% up to 19.65%. It also has a variable cash advance APR that ranges from 12.65% up to 19.65%.
Does truwest 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 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.65% - 19.65% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does truwest credit card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 18 months.
What are the fees for truwest credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0.8% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does truwest credit card have a foreign transaction fee?
truwest credit card charges a foreign transaction fee of up to 0.8%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $16. 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 truwest credit card?
The customer service number for truwest credit card is (855) 878-9378.
What is the support contact email for truwest credit card?
The support contact email for truwest credit card is onlineservices@truwest.org.
What is the login page for truwest credit card?
You can access the login page of truwest credit card here.
How do people rate the customer service and user experience of truwest credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does TruWest Credit Union Platinum Points Card report your account activity to credit bureaus?
Yes, TruWest Credit Union Platinum Points Card 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 TruWest Credit Union perform a hard credit pull?
Yes, truwest credit card 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 truwest credit card
- Visit the website of truwest credit card.
- 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.
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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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