Give your wallet a break with our lowest credit card rates.
Cost savings
Start with a special purchase offer, and keep saving with a competitive long-term rate.
No annual fee
Take advantage of everything Mastercard® offers without paying a maintenance cost.
Generous rewards
Pile up the points and redeem them for gift cards, merchandise, and travel services.
24/7 protection
Cardholder Services is always available to assist if you suspect identity theft.
Life costs less with zero.
It seems that prices for everything - from groceries and gasoline to clothing and car repairs - just keeps going up. One way to keep costs under control is with a Platinum Trust Bank Platinum Mastercard® card that features our lowest overall interest rate. And for the short term? There is even greater savings, with 0% APR¹ for six months on purchases you make within the first 60 days of opening your card. (Variable APR ranging from 15.49% to 17.99% applies thereafter.²)
- No annual fee.
- Earn one rewards point for every dollar spent.3
- APR as low as Prime Rate plus 6.99%.2
- Credit limits starting at $500.
- Mastercard® ID theft protection offers 24/7 help if your card has been compromised.
- Mastercard® Zero Liability means you are not responsible for unauthorized purchases.
- Cardholder Services can quickly replace lost cards and provide fast assistance on other card matters.
- Compare your credit card options.
- Look, hold, go, and be on your way with a Contactless Mastercard® Credit Card.
| Platinum | |
|---|---|
| How to earn points | Must first enroll with the uChoose Rewards program on the website. |
| Earning rewards | $1 = 1 point |
| What can points be redeemed for? | Merchandise, travel, activities, gift cards, and more |
| Minimum points to redeem | 1,500 points |
| Expiration of points | 5 years |
Effective Date: October 1, 2023
| Platinum Mastercard® | Platinum Cash Rewards Mastercard® | World Mastercard® | |
|---|---|---|---|
| APRs for purchase/balance transfers as low as | 15.49% | 16.49% | 17.49% |
| APRs for cash advances | 17.99% | 17.99% | 17.99% |
Get a Platinum Mastercard®.
For lost or stolen debit cards, please choose from the following options:
For lost or stolen credit cards, please choose from the following options:
- Turn your card off and report it as lost or stolen using Online or Mobile Banking1. Simply log in, click on "Manage Cards" in Online Banking or "Cards" in Mobile Banking1. You may be prompted to call us.
- Call Cardholder Services at (800) 472-3272.
- Visit a financial center to receive a card instantly issued.
For lost or stolen credit cards, please choose from the following options:
- Turn your card off/on and report it as lost or stolen using Online or Mobile Banking1. Simply log in, click on "Manage Cards" in Online Banking or "Cards" in Mobile Banking, and follow the prompts to close your credit card and request a new one.
- Or for your Mastercard® Platinum or Mastercard® Cash Rewards credit cards, please call (855) 325-0904. For your Mastercard® World credit card, call (855) 510-4594.
For debit card disputes:
- Please call (866) 394-1205 during business hours and a dispute expert will help you file a claim.
- Log into Online Banking, click on your credit card account, and select "dispute" next to the applicable transaction.
- Or to file a claim via phone for your Mastercard® Platinum or Mastercard® Cash Rewards credit cards, please call (855) 325-0904. For your Mastercard® World credit card, please call (855) 510-4594 to file a claim.
- For all other disputes:
Visit a local Financial Center.
Call our Contact Center at .
We offer several options to make your credit card payments:
- Log in to Online or Mobile Banking1 to transfer a payment.
- Mail a payment to us.
- Make payments at a financial center through a:
- Personal check
- Certified check or money order
- Cash, or
- Contact us to make a payment by phone.
Payments reflect on your credit card account within 2 business days after the payment has been made.
- Log into Online Banking.
- Click on your credit card.
- Click on "Statements."
- Select the toggle button to turn on paperless statements.
- To register your debit card, visit uChoose Rewards and follow the registration steps.
- To register your credit card, simply click on the uChoose Rewards icon on the credit card page in Online Banking and follow the registration steps.
APRs accurate as of 10/1/2023. Up to 2% Foreign Transaction Fee applies to Platinum Mastercard and Platinum Cash Rewards Mastercard. Balance Transfer Fee is 3% per transaction. Terms and Conditions subject to change without notice. Subject to credit approval.
1
Introductory APR will apply for 6 months to the balance of the purchases made within the first 60 days of card opening. After 6 months, your qualifying rate will apply to any remaining balance.
2
Rates based on creditworthiness and vary with the market based on the Prime Rate as covered in the Finance Charge section of your Agreement.
3
Please refer to your Credit Card Agreement for details and limitations on Rewards.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
This Platinum Credit Card Agreement and Disclosure, Cash Rewards Credit Card Agreement and Disclosure and World Credit Card Agreement and Disclosure reflects the provisions of the agreement and the pricing information in effect as of the date on the Agreement & Disclosure. Any agreements posted with the CFPB may reflect terms from the prior calendar quarter, which are no longer in effect.