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Why TruWest

A card that rewards you for your lifestyle

Platinum Points Card Test

Our Visa® Platinum Points credit card was designed to benefit you with cash back and great rewards.

  • Up to 1.5% cash back1
  • 0% introductory APR for 18 months2
  • No annual fee
  • Visa's Zero Liability Protection3
  • Bonus points with multiple cards4

Plus, with the TruWest® Visa® Platinum Points credit card, you’ll get a few extras:

  • Earn 1 point for every $1 on qualifying purchases
  • Earn $100 when you spend $100 in the first 90 days5

Rates & Fees

Determine Your Costs

Visa Platinum Points

Type APR*
Visa Platinum Points 7.90% - 14.90%

Rates effective as of April 13, 2020.
New Accounts Only.
*APR=Annual Percentage Rate.


Frequently Asked Questions

Next Steps

As easy as 1, 2, 3

How to Apply for a Platinum Points Visa card

  1. 1
    Apply online, at a branch or by phone at 1(855) 878-9378.
  2. 2
    A TruWest representative will follow up (via phone) within 24-48 hours.
  3. 3
    If approved, you will receive your card within 7-10 business days


We're happy to help! Just give us your name, email and phone number and we'll get in touch with you shortly.

1Subject to program terms and conditions
2APR = Annual Percentage Rate. Must be a TruWest member with a minimum deposit of $5 to qualify. Requires application and is subject to credit approval. The APR may vary. Intro APR is 0% for 18 billing cycles (introductory period) from the date of account opening, then the standard variable APR applies. APR will adjust to your standard variable rate which will apply to all new purchases, new balance transfers, and all unpaid purchase and balance transfer balances remaining from the introductory period. APR is based on the Prime Rate plus a “margin” and will vary with the market. The estimated standard variable purchase and balance transfer APR is between 5.95% and 19.95% depending on card type. Card type and APR determined by borrower’s credit score. Introductory offer only for new TruWest credit cards and does not apply to increases, conversions, or re-opening of a closed TruWest credit card. Transfers from TruWest Visa cards, loans, or lines of credit are not eligible for introductory interest rate offer. Information is accurate as of January 1, 2019. Cannot be combined with other offers. Offer, program, rates, terms, and conditions are subject to change. Please visit for further information.
3Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify TruWest® Credit Union immediately of any unauthorized use. Terms and conditions apply. Contact TruWest Credit Union for more details.
4Cardholder is responsible for charges made by any authorized user. Offer subject to change. Terms and conditions apply.
5Receive $100 in the form of a statement credit after $100 in purchases have been made on the card within 90 days of account opening. Must qualify for reward earning credit card to receive this offer. Must not have had a TruWest Visa credit card in the last 12 months.

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