Our Platinum Credit Cards

CUTX Platinum Mastercard

The Platinum Mastercard does so much more than pay for purchases. It comes with competitive rates, no annual fees, no balance transfer fees, and additional benefits like Mastercard ID Theft Protection and Resolution Services, Lost Wallet Assistance, and more.

CUTX Platinum Rewards Mastercard

In addition to all the great benefits that come with our Platinum Mastercard, Platinum Rewards gives you one point for each dollar you spend. You can redeem your points for everything from travel to events and adventures to apparel, electronics and more. It’s the savvy way to use a credit card.

Compare CUTX Credit Cards

CUTX MasterCard Platinum Credit Card CUTX MasterCard Platinum Rewards Credit Card
Key Features
Competitive Rates
No Annual Fees
No Balance Transfer Fees
Identity Theft Protection
Airport Concierge™
Global Service
Rewards: 1 point per dollar spent

Become a Credit Score Expert

If you're interested in learning more about how your credit score works, how to build or improve your credit, or even how to repair damaged credit, enroll in CUTX's Credit Building Email Series today.

Credit Card Rates & Pricing

In effect as of July 01, 2020

Cardholder agreement Platinum MasterCard Platinum Rewards MasterCard
Annual Percentage Rate (APR) For Purchases 7.90% to 17.90%
based on your creditworthiness.

This APR will vary with the market based on the prime rate.
9.90% to 17.90%
based on your creditworthiness.

This APR will vary with the market based on the prime rate.
APR For Balance Transfers 9.90% to 17.90%
based on your creditworthiness.

This APR will vary with the market based on the prime rate.
11.90% to 17.90%
based on your creditworthiness.

This APR will vary with the market based on the prime rate.
APR For Cash Advances 9.90% to 17.90%
This APR will vary with the market based on the prime rate.
11.90% to 17.90%
This APR will vary with the market based on the prime rate.
Penalty Pricing When It Applies None
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $2.00.
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 Consumer Financial Protection Bureau
Annual Fee $0
Balance Transfer Fee $0
Cash Advance Fee Either $10.00 or 2.000% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee 2% of each foreign transaction in U.S. dollars.
Late Payment Fee Up to $25.00
Over-the-Credit Limit Fee $0
Returned Payment Fee Up to $25.00

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” This method is explained in the cardholder agreement.

Billing Rights: Information on your rights to dispute transactions is provided in the cardholder agreement.

Minimum Payment: Your minimum payment will be 2.000% of your current balance or $15.00, whichever is greater, unless your balance is less than $15.00. If your balance is less than $15.00, then your minimum payment will be the amount of your statement balance. Any amount that is past due or prior minimum payments that were not made will also be added to the minimum monthly payment amount.

Cross-Collateral As Security: Collateral securing other loans with us may also secure this credit card.

Replacement Cards, Copies, and Special Services:
Statement copy fee: $5.00
Rush fee: $35.00
Emergency card replacement fee: up to $200.00
Research fee: $25.00 per hours

Variable Rate: Your variable APR may change quarterly if the Prime Rate changes. Any change to your APR will take effect on the first statement cycle after the beginning of the next quarter. Calendar quarters begin January 1, April 1, July 1, and October 1 of each year. We calculate variable rates by adding a percentage (also called a margin) to the Prime Rate published in the Money Rates section of The Wall Street Journal 30 days before the end of the quarter. If the Wall Street Journal stops publishing the Prime Rate, we will choose a similar reference rate based upon comparable information. Any increase in the Prime Rate may increase your interest charges and your minimum payment. The current Prime Rate plus the percentage applicable to you is the rate reflected in your Account Opening Disclosure.

FAQs - Credit Cards

You can apply online here or stop by one of our branches.

Create an online account to pay your bill here. Or you can mail a payment to:

Credit Card Payments
Credit Union of Texas
PO Box 37035
Boone, IA 50037-0035

Payment Protection could help 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, such as loss of life, disability, or involuntary unemployment. Simple eligibility requirements help ease the sign-up process.

To enroll in the program, 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.

We will notify you of your earned rewards at the end of every month. You can redeem them here on exciting experiences and products.

Call 1-855-341-4652 anytime to report your card lost or stolen. The representative will status the card lost or stolen immediately. Additionally, you will want to request a new debit card and PIN. A new PIN will be assigned to your debit card, however, you may customize your PIN once you receive the new card and PIN mailer.