Platinum--Installment Payments Draft

A credit card can be your everyday go-to tool. With our Platinum Card, you can easily manage your account through Online and Mobile Banking with a ton of additional benefits.

It pays to find a credit card with a competitive rates. You'll cut down on interest charges, giving you more to spend on the better things in life.

  • No annual fees1
  • No annual or balance transfer fee2
  • Easily manage your account online and through our mobile app
  • Track your spending, set a budget, pay your bill and more
  • Mastercard ID Theft Protection and Resolution Services2
  • Use Pay It Later (Installment Payments) to split up larger qualifying purchases over three, six, or twelve monthly payments 3

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and Saturday 10AM - 2PM CST

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Exclusive Benefits Include

Are you eligible for membership? See our Membership Eligibility

Global Services1

No matter where you are in the world, Mastercard offers 24-hour assistance if you lose your card, need a quick replacement or want an emergency cash advance.

Airport Concierge1

Enjoy a 15% savings on Airport Meet and Greet services. An agent will escort you through the airport on departure, arrival or for connecting flights at over 700 locations worldwide.

Lost Wallet Assistance1

Mastercard will help you notify authorities to cancel and replace stolen or missing items, such as debit and credit cards, driver’s licenses, Social Security cards and passports.

Find the right card for you.

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General Credit Cards FAQs

You have a couple of options. Either apply online here or stop by one of our branches.

You can mail a payment to:

Credit Card Payments
P.O. Box 660493, Dallas, TX 75266-0493

Overnight Payments:
560 Carillion Pkwy, St. Petersburg, FL 33716

Payment Protection is a great way to protect you and your family when the unexpected happens. This voluntary protection program is designed to help you get relief from payments when you need it most after you're laid off, you become disabled, or worse. It's easy to enroll. Just call us at 972-705-4804.

Your purchase of Payment Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a credit card. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Payment (Debt) Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

Act quickly by calling 1-866-604-8156 anytime to report your card lost or stolen. We'll freeze your card and help you get a new one to protect your account. A new PIN will be assigned to your debit card, which you can change after you receive our PIN mailer.


The stuff, loan team and customer service were very helpful throughout my car loan process. Credit Union of Texas was able to offer me the best rate available for my vehicle. I would highly recommended CUTX to all of my friends and family.
Abebe A.
Never a issue always friendly and as you walk in the gentleman at the door greets you with awesome customer service. Always on point.
Mr. C.
I always feel like I’ve been given the best advice for me and my family. They really do put their members first.
Sonya M.

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Mastercard Rates and Terms
Annual Percentage Rate (APR) for Purchases
10.15% to 17.90%
based on your creditworthiness.

This APR will vary with the market based on the prime rate.
APR For Balance Transfers 12.15% to 17.90%
based on your creditworthiness.

This APR will vary with the market based on the prime rate.
APR For Cash Advances
12.15% to 17.90%
based on your creditworthiness.
This APR will vary with the market based on the prime rate.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each business cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We charge interest on cash advances and balance transfers from the transaction date.
Minimum Interest Charge $2
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Transaction features
  • 1Balance Transfers
  • 1Cash Advance
  • 1Foreign Transactions

  • None
  • $10 or 2.00% of the amount of each cash advance, whichever is greater
  • 2% of each transaction U.S. dollar amount.
Penalty Fees
  • 1Late Payment
  • 1Return Payment

  • Up to $25
  • Up to $25
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).

1Registration/activation required. Membership required.
2Benefits are available to personal checking accounts and their primary account owner, and their joint account owner(s), subject to the terms and conditions for the applicable benefits. Benefits are not available to a “signer” on the account who is not an account owner or to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (fiduciary is not covered).
3We may offer you an Installment Plan which allows you to pay eligible charges over time, with interest at a non-variable rate. You can only create an Installment Plan if you receive and accept an offer. The offer will tell you the terms, including the APR, that will apply to that Installment Plan. Your APR depends on the transaction amount and payment term length that You choose and Your creditworthiness.