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Give your budget extra elbow room. Our Mastercard® Platinum credit card earns reward points with every purchase.

Key Features

  • Competitive Rates
  • Reward Points
  • Anytime Funds
  • No Annual Fees
  • Special low introductory rate for first 6 months
  • Credit limits of $500 and up
  • No annual fees
  • No balance transfer fees
  • No cash advance fees
  • No Domestic transaction fees
  • Rewards option
  • 24-hour toll-free customer service
  • Zero liability for unauthorized use
  • Must be 18 years old for an individual account 

Additional credit card benefits include:

  • Satisfaction Guarantee Coverage for first 60 days after purchase
  • Purchase Assurance: most merchandise purchased is covered for 90 days if stolen or damaged
  • Extended manufacturer’s warranty up to 12 months on most items purchased
  • Master RoadAssist Service
  • Travel Assistance Services

Account access and free online payments at

Transaction Fees:

Foreign Transaction - 1% of each transaction in U.S. dollars

If Intro APR applies: 3.90% for 6 months* After that, your APR will be 10.00%-17.99%** Variable.

*Introductory APR applicable until the first day of the billing cycle that includes the six month anniversary date of the opening of your account. **Your exact rate is based on your credit worthiness. Ask a loan officer about the rate you qualify for. The periodic rate used to compute the FINANCIAL CHARGE for purchases is based on an index (the "Index"), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly. The information about the costs of the card described here is accurate as of November 2019. This information may change after that date. To find out what may have changed, call 1-800-846-1751 or write to MCT Credit Union at 2736 Nall Street, Port Neches, TX 77651.

  • Earn 1 point for every $1 you spend. Watch your everyday purchases add up to amazing rewards!
  • Earn 3x points on all purchases at our More Points superstore, including brand name merchandise and popular gift cards for dining, entertainment, shopping and travel related expenses including hotels, fuel and car rental.
  • Earn 5x points on all purchases made through our Perks Points Mall, an online network of over 500 top national and regional merchants. Many merchants offer additional discounts!
  • Save up to 40% at over 18,000 restaurants nationwide with exclusive discounts through

To add the rewards option to your MCT credit card, talk to an MCT representative by calling 409-727-1446 or 800-846-1751. Or visit your local branch.

Adding the rewards program to your credit card may change your annual percentage rate (APR).