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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, you’ll earn a few extras:

  • $200 when you spend $500 in the first 90 days5 for a limited-time only
  • 1 point for every $1 on qualifying purchases
  • 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 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 is Annual Percentage Rate. 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 5.95% and 19.95%. 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. Cannot be combined with other offers. Offer, program, rates, terms, and conditions subject to change without notice. Must be a TruWest member with a minimum deposit of $5 to qualify. Information is accurate as of April 13, 2020 and subject to change.
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 $200 in the form of a statement credit after $500 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. For new TruWest Visa® credit cards only. Must not have had a TruWest Visa® credit card in the last 12 months. Eligible new credit card loan must be opened between November 1, 2021 and January 31, 2022 to qualify. Member and loan must be in good standing with TruWest to receive statement credit. Cannot be combined with any other offers. Only one promotional offer per primary membership. Offer, program, rates, terms, and conditions subject to change without notice.
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 for full details.