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Why TruWest

A card that rewards you for your lifestyle

Platinum Points Card

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

  • Up to 1.5% cash back1
  • Special introductory APR2
  • 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
  • A potential monthly reward with qualifying credit card transactions if you have a High Yield or Cash Back checking account6

Rates & Fees

Determine Your Costs

Visa Platinum Points

Type APR*
Visa Platinum Points 9.40% - 16.40%

*APR = 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. 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 7.45% and 21.45% depending on card type. Card type and APR determined by borrower’s credit score. Information is accurate as of 8/3/2022. No Annual Fees. Balance transfer fee is 3% of each balance transfer. Cash advance fee is 4% of amount of each cash advance. Foreign fees: 0.8% of the amount of each transaction if there is no currency conversion; 1% of the amount of the transaction if there is a currency conversion. Cannot be combined with other offers. Offer, program, rates, terms, and conditions are subject to change. Visa® is a registered trademark of VISA U.S.A. Inc.

FAQs

Frequently Asked Questions

Next Steps

As easy as 1, 2, 3

How to Apply for a Platinum Points Visa card

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

Questions?

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. All loans subject to application and approval. Visit truwest.org/visaterms for further information.
2APR is Annual Percentage Rate. Must be a TruWest member with a minimum deposit of $5 to qualify. Requires application and is subject to credit approval. Intro APR is 0% for 18 billing cycles (intro period) from the date of account opening on purchase and balance transfers. Intro APR does not apply to cash advances. Balance transfer restrictions apply and a 3% balance transfer fee applies for the amount of each transfer. Additional terms and conditions apply. After the intro period ends, the standard variable APR for Purchase and Balance Transfers will be applied to any unpaid balances remaining. APR is based on the Prime Rate plus a “margin” and will vary with the market. The estimated standard variable APR is between 7.45% and 21.45%. Card type and APR determined by borrower’s credit score. Intro rate is valid only for purchases or balance transfers from other credit card companies, financial institutions, or department store credit cards. Promotion offered only for new TruWest credit cards and does not apply to increases, conversions, or re-opening of a closed credit card. Transfers from current TruWest Visa® cards, loans, or lines of credit are not eligible for intro interest rate offer. Information is accurate as of August 3, 2022 and subject to change. Cannot be combined with other offers. Offer, program, rates, terms, and conditions subject to change without notice.
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.
6Must be a TruWest member with a minimum $5 opening deposit and continuing balance. Must have a TruWest Rewards checking account. Accounts subject to approval. All Checking Rewards requirements must be met monthly (calendar month- “Cycle Month”) to receive program rewards. Eligibility requirements include having a monthly: 1) Qualifying Direct deposit; and; 2) 15 Truwest debit/credit qualifying purchase transactions. Only one rewards checking account per primary member and only one rewards type (High Yield or Cash Back) available on an account at one time. Additional terms, conditions, and restrictions apply. Program, rates, rewards, terms and conditions subject to change without notice. Contact us at 1 (855) 878-9378, or visit us at https://truwest.org/rewardschecking for full details.
Visa® is a registered trademark of VISA U.S.A. Inc.