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Platinum Mastercard® Tips, Info & FAQs
A chip enabled card that lets you purchase products on credit
Our San Antonio cash-back credit card with an EMV chip is offered to individuals throughout Bexar, Kendall, Comal, and Tarrant Counties and is incredibly easy to use. Rest assured, our card has no annual fees, no balance transfer fees, and free cash advances. Simply apply, start spending, and earn 1% cash back on all purchases, automatically, with no minimums or caps on your rewards.
3 Things You Should Know About EMV Chip Cards
In the last couple of years, cards with chips have been replacing standard magnetic cards. Here’s the reason for the switch, and what it means for you.
1. They protect against fraud
Credit card fraud is a real problem in the US, so EMV cards have been issued to help combat it. One of the difficulties with magnetic cards is that they store static data. That data is given to the machine readers each time a transaction is made, making it much easier to steal.
In contrast, EMV cards use a chip to create a unique code for every transaction. This code helps protect the information on the card from being stolen.
2. They have different regulations
For EMV cards, the person responsible for covering the charges is whomever is “least EMV compliant”. This means if you go to a store without a chip reader, then that store will be responsible in the event your information is stolen.
On the other hand, if your financial institution doesn’t issue you an EMV card, then they will be held responsible for the charges instead. You should rest assured that you will not be held responsible for fraudulent or unauthorized transactions in either scenario.
3. They don’t make a difference online
Even though EMV cards offer additional protections in the real world, they don’t make a difference online. This is important to remember as you make online purchases. Always use good judgment and never enter your credit card information on a site that seems suspicious.
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FAQs
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What do I need to do if my transaction won't go through and I know I still have credit available?
Contact us and we can let you know why your transaction is being declined. Common reasons include improper card number, expiration date, or security code. Be sure to double check these, especially with online purchases.
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What are the minimum and maximum limits for the United Texas Platinum Mastercard?
The minimum amount you can apply for is $500. The maximum amount is $15,000.
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How do I complete a balance transfer?
Contact us at (210) 561-4500, (800) 531-8456 or at ask@utxcu.com to request a balance transfer.
We will send you a certificate for you to complete and return to us using our secure electronic signature service. Once we receive your completed form, we’ll take care of the rest.
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What is the interest rate on balance transfers?
Balance transfers accrue interest at your standard rate with no grace period.
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How long does it take to get the card?
Loans are usually approved the same day. The card can take up to 7 to 10 business days to come in the mail.
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Can I access this card on my mobile device?
Yes. You can access your San Antonio credit card information via Online Banking, United Texas Mobile. or the CardNav app.
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What is the grace period on my purchases?
We offer a 25-day grace period on purchases before interest is charged.
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When are payments due?
All Platinum Mastercard payments are due on the 15th of the month. If you are ten days late or more in making your payment, you will incur a late fee.
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What happens if I have purchases on my card that I didn't make?
Please call us and let us know about any unauthorized purchases. Rest assured you have zero liability for all unauthorized transactions on your United Texas Platinum Mastercard.
Fraud/Disputes: (800) 531-8456, anytime, 24/7.
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Do you charge a fee for cash advances?
No, we do not!
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What is the rate on a cash advance?
Cash advances accrue interest at your standard rate with no grace period.
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Do you offer ID Theft protection on your cards?
Yes, we do. We offer enhanced Mastercard ID Theft Protection. This is an automatic built-in benefit to your card to better safeguard you against possible identity theft. Visit https://www.mastercardus.idprotectiononline.com/enrollment/embedded.html to sign up.
Generali Global Assistance Inc. provides this benefit. Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for details or call 1-800-MASTERCARD.
Platinum Mastercard® Rates & Calculator
Loan Calculator
For an accurate determination of your options, please click on the red "Apply Now" button, complete our short application, and see your credit card offers, with no impact to your credit.
Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Platinum Mastercard®
| Platinum Mastercard® | as low as 14.00% APR* |
*APR = Annual Percentage Rate. Rates are effective as of May 25, 2023.
Minimum interest charge = None. Available APRs: 14.00%, 17.99% (all variable)
Platinum Mastercard® Why United Texas
Platinum Mastercard
- 1% cash back on net retail purchases
- Competitive rates as low as 13.75% APR* (variable)
- No minimums or caps on what you earn
- No annual fee
- No balance transfer or cash advance fees
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Platinum Mastercard® How it Works
Signing up for a United Texas Platinum Mastercard takes only a few minutes.
STEP 1: Apply for the card
You can fill out a quick online application, or give us a call at (800) 531-8456.
STEP 2: See your pre-qualified credit card offers
This has no impact on your credit. Once approved, it takes between 7-10 days to get your new card in the mail.
STEP 3: Start getting cash back
You’ll get 1% cash back on all net purchases you make. This cash back is automatically applied as a statement credit on your card each month, so you don’t have to worry about transferring it.
STEP 4: Make payments online
You can make all your credit card payments online for maximum convenience.
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More Info
*APR = Annual Percentage Rate.
**Minimum interest charge = None. Available APRs: 9.25%, 13.25%, 15.25% (all variable)
Lost/Stolen Card & Emergency Replacement: (800) 531-8456, anytime 24/7.
Fraud/Disputes: (800) 531-8456, anytime 24/7.