Travis CU MasterCard Gold Credit Card Review | CreditShout

Travis CU MasterCard Gold Credit Card Review

By Christine Layton / November 30, 2011


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Verdict: The Travis CU Mastercard Gold has a number of benefits for cardholders and provides a generous credit limit up to $50,000 for applicants who qualify. This credit card has a reasonable APR, no annual fee, and low costs. It also includes a great range of travel and shopping perks like extended warranties, RoadAssist and rental insurance. The only downsides to the card are a lack of a rewards program and an APR that can be up to 18.99%. Still, this credit card is a great choice for members looking for a card with good benefits, low costs and a high limit.

Overview: The Travis Credit Union in California extends membership to personnel at the Travis Air Force Base as well as those who live, work and attend church in nearby counties. The credit union has a range of financial services and products for members, including two different credit cards. The Mastercard Gold features a credit limit up to $50,000, no annual fee and a complete range of travel and shopping benefits for cardholders. Although the APR is rather high, this card is a good choice for cardholders who do not carry a balance but pay off their purchases each month.

How These Cards Work: The Mastercard Gold from Travis Credit Union is accepted worldwide and has a 25-day grace period. This allows cardholders to avoid interest charges on purchases only by paying their balance in full during this time. Cash advances and balance transfers, however, will be charged interest beginning on the transaction date. This credit card includes the Mastercard Global Service, which helps cardholders 24/7 in case of lost or stolen credit cards. This service can issue immediate cash advances, card replacements and more. The credit limit on this credit card ranges from $2,000 to $50,000 based on credit history. Overdraft protection is available that is tied to a checking account with the credit card. Cardholders have online access to their account through Travis Credit Union where they can check balances, review transactions, make transfers and more.

Travel & Shopping Benefits: The Mastercard Gold offers a full range of travel and shopping benefits to cardholders. Common carrier accident insurance is automatic, which covers cardholders and immediate family when airline tickets are purchased with the credit card. Auto rental insurance is also included, which allows the cardholder to waive optional insurance while renting a vehicle and still receive coverage for damage and theft. Purchase insurance protects items purchased in full with the card against damage and theft for 90 days. The extended warranty program extends manufacturers warranties on purchases that qualify. The Master RoadAssist program, on the other hand, will send someone to help cardholders that experience car trouble while traveling. Rates are pre-negotiated and lower than nearby services. Lastly, travel assistance gives service referrals and helps to plan trips.

Fees: There is no annual fee for the Mastercard Gold card from Travis Credit Union. The card has a variable APR of 12.99% to 18.99%, which applies to purchases, balance transfers and cash advances. There is no penalty APR or minimum finance charge. There is no fee for balance transfers during the first 90 days, although a fee of 2% applies afterward, not to exceed $25. Cash advances are a flat $5. Card replacements cost $5. The penalty fee for late payments and returned payments is a low $15.


  • No annual fee
  • No fee for balance transfers for 90 days
  • Credit limit up to $50,000
  • Low interest rate and fees
  • Good travel and shopping benefits


  • Must be a member of Travis Credit Union
  • APR as high as 18.99%
  • No rewards program
The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone. Additionally, the opinions of the commenters are not necessarily the opinions of this site

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