Credit Union of New Jersey, A Credit Union
Platinum Mastercard
- APR for purchasesIntroductory rate shown first.
- 2.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercardAll applicants11.65%–18% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercardNo credit score16.65% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercardCredit score 619 or less16.65% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercardCredit scores from 620 to 71913.65% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercardCredit score of 720 or greater12.65% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercard
- APR for balance transfers
- 2.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercard
- APR for cash advances
- 11.65%–18% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercard
- Penalty APRCharged after a late or returned payment.
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- Paying interestThe grace period on new purchases.
- Not offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercard
- Annual fee
- AnnualNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercard
- Transaction fees
- Cash advance2% of the amount, minimum $10Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercardBalance transfer2% of the amount, minimum $10Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercardForeign transaction1% of the amountConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercard
- Penalty fees
- First late fee$25Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercardRepeat late fee within six billing cycles$25Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercardReturned payment—
- Other fees
- Returned Payment$25Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercardOver limitNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercardPurchase transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercard
- Balance transfer termsHow long a transfer may be requested for, and how much may be moved.
- Grace period on transfersNoConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercard
- Source
- Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:credit-union-of-new-jersey:platinum-mastercard · captured 2026-09-06