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Platinum Credit Cards

Platinum Credit Cards

Platinum Mastercard®

The only credit card you’ll ever need to carry. Enjoy a low 0.00% introductory rate on purchases during the first six months from account opening, depending on credit rating and history. After the first six months, the standard APR* is 8.90% to 17.90% based on your credit. You can also benefit from:

  • Low Rates
  • No Annual Fee

Platinum Rewards Mastercard®

Another great choice with a standard APR between 12.90% and 17.90% based on credit. This card comes with rewards you can redeem for travel, gift cards, merchandise, and more.

  • Low Rates
  • One Point for Every Dollar Spent
  • No Annual Fee

Secured Mastercard®

  • 11.90% APR*
  • $30 Annual Fee
  • No Balance Transfer Fee
  • Mastercard® Zero Liability***

Credit Mastercard® Benefits

  • Airport Concierge
  • Global Service
  • ID Theft Protection
  • Mastercard® Zero Liability***

For full details and disclosures, see our Credit Mastercard Benefits

Visit the Texas Trust Advice Site for helpful information about general credit, credit cards, and more.

Log Into Platinum myRewards Register Your Platinum myRewards Account Apply for Credit Card

Credit Card Application Disclosure
Consumer Credit Card Agreement

Credit Card Application Disclosure
Consumer Credit Card Agreement

Texas Trust offers EMV chip credit cards. Chip technology offers more security against fraud than the traditional magnetic strip. By using a small EMV chip to store member data on the face of the card, chip technology makes it much harder for fraudsters to get sensitive information. Learn more about EMV Chip Cards here.


Card Activation VRU: (800) 631-3197

After Hours Lost/Stolen: (888) 297-3416

Decline Line: (800) 547-1176

Pin by Phone (customer select PIN): (888) 891-2435

Features Platinum Mastercard® Platinum Rewards Mastercard® Secured Mastercard®
Intro APR* on Purchases 0% N/A N/A
APR* 8.90% - 17.90% 12.90% - 17.90% 11.90%
Annual Fee $0 $0 $30
Rewards** N/A 1 point per $1 spent** N/A
Balance Transfer Fee $0 $0 $0
Balance Transfer/Cash Advance Intro APR* 4.90%, 7.90%, 9.90% N/A N/A
Cash Back 0.25%, 0.50%, 0.75%, 1.00% N/A N/A
Zero Liability Mastercard Zero Liability*** Mastercard Zero Liability*** Mastercard Zero Liability***
Late Fee $25 $25 $25
Due Date 25 days after close of billing cycle 25 days after close of billing cycle 25 days after close of billing cycle

* APR = Annual Percentage Rate

** Earn 1 point for every $1 spent on eligible net purchases

*** Zero Liability - Have peace of mind knowing you won't be responsible for unauthorized purchases. As a Mastercard cardholder you are not liable in the event of an unauthorized use of your U.S.-issued Mastercard card. This coverage extends to purchases made in a store, over the telephone, or online. Zero Liability is provided under the following conditions: Your account is in good standing. You have exercised reasonable care in safeguarding your card. You have not reported two or more unauthorized events in the past 12 months. For full details and disclosures, see Mastercard Zero Liability

Account must be in good standing to participate in cash back program and receive rebates. Cardholders who close accounts before rebates are paid forfeit all rebates. Rebates are paid annually based on net annual purchase tiers: Up to $7,500 – .25%; $7,500.01 to $10,000.00 – .50%; $10,000.01 to $25,000.00 – .75%; $25,000.01+ – 1.00%. $18.75 minimum payout. Earnings do not roll over to next year. Rebates will be a credit to your credit card account, savings account, or a check mailed directly to you, at our option. Subject to change without notice.

Serving Dallas, Denton, Ellis, Henderson, Johnson, Tarrant, and Tom Green Counties with branches in Arlington, Athens, Bedford, Cedar Hill, Dallas, Desoto, Flower Mound, Grand Prairie, Hurst, Irving, Mansfield, Midlothian, and San Angelo

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