Last Updated: 07/28/2025
Ventura County Platinum Mastercard
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.70% - 25.70%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
13.70% - 25.70%(Verified 06/21/2024)
Credit Score Range
670 - 850
Annual Fee
N/A
Ventura County Platinum Mastercard Review
This is a card issued by Ventura County Credit Union. If you're wondering whether Ventura County Platinum Mastercard is the right card for you, read on.
Key Takeaways
- APRs: Ventura County Platinum Mastercard has a variable regular purchase APR that ranges from 13.70% up to 25.70%.
- A 3% balance transfer fee. Ventura County Platinum Mastercard 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 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase security, travel accident insurance, 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 Ventura County Platinum Mastercard
| The Good | The Bad |
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Ventura County Platinum Mastercard FAQ
Does Ventura County Platinum Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Ventura County Platinum Mastercard?
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.Ventura County Platinum Mastercard has a variable purchase APR that ranges from 13.70% up to 25.70%. The card has a variable balance transfer APR that ranges from 13.70% up to 25.70%. It also has a variable cash advance APR that ranges from 13.70% up to 25.70%.
Does Ventura County Platinum Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Ventura County Platinum Mastercard 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 Ventura County Platinum Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does Ventura County Platinum Mastercard have a foreign transaction fee?
Ventura County Platinum Mastercard charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Ventura County Platinum Mastercard?
The customer service number for Ventura County Platinum Mastercard is (805) 477-4000.
What is the support contact email for Ventura County Platinum Mastercard?
The support contact email for Ventura County Platinum Mastercard is cuadmin@vccuonline.net .
How do people rate the customer service and user experience of Ventura County Platinum Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Ventura County Platinum Mastercard report your account activity to credit bureaus?
Yes, Ventura County Platinum Mastercard 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 Ventura County Credit Union perform a hard credit pull?
Yes, Ventura County Platinum Mastercard 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 Ventura County Platinum Mastercard
- Visit the website of Ventura County Platinum Mastercard.
- 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
SundayClosedMonday8:00AM - 5:00PMTuesday8:00AM - 5:00PMWednesday8:00AM - 5:00PMThursday8:00AM - 6:00PMFriday8:00AM - 6:00PMSaturday9:00AM - 2:00PM
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Other Credit Cards from Ventura County Credit Union
Rating not yet determined
Purchase APR
15.7% - 27.7%
Disclaimer popup with additional information
Balance Transfer APR
15.7% - 27.7%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Credit Score Range
Starting at 500
Annual Fee
N/A
SuperMoney Net Recommendation Score
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