Last Updated: 07/28/2025
Community FCU of Michigan Platinum Mastercard
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
8.99% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
8.99% - 18%(Verified 06/21/2024)
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Credit Score Range
500 - 800
Annual Fee
N/A
Community FCU of Michigan Platinum Mastercard Review
This is a card issued by Community Financial Credit Union of Michigan. If you're wondering whether Community FCU of Michigan Platinum Mastercard is the right card for you, read on.
Key Takeaways
- APRs: Community FCU of Michigan Platinum Mastercard has a fixed purchase APR that ranges from 8.99% up to 18%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to .2% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Community FCU of Michigan Platinum Mastercard
| The Good | The Bad |
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Community FCU of Michigan Platinum Mastercard FAQ
Does Community FCU of Michigan Platinum Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Community FCU of Michigan Platinum Mastercard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Community FCU of Michigan Platinum Mastercard has a fixed purchase APR that ranges from 8.99% up to 18%. The card has a fixed balance transfer APR that ranges from 8.99% up to 18%. It also has a fixed cash advance APR that ranges from 8.99% up to 18%.
Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Community FCU of Michigan Platinum Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Community FCU of Michigan Platinum Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Community FCU of Michigan Platinum Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0.2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does Community FCU of Michigan Platinum Mastercard have a foreign transaction fee?
Community FCU of Michigan Platinum Mastercard charges a foreign transaction fee of up to .2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $4. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Community FCU of Michigan Platinum Mastercard?
The customer service number for Community FCU of Michigan Platinum Mastercard is (877) 937-2328.
What is the support contact email for Community FCU of Michigan Platinum Mastercard?
The support contact email for Community FCU of Michigan Platinum Mastercard is cumail@cfcu.org.
What is the login page for Community FCU of Michigan Platinum Mastercard?
You can access the login page of Community FCU of Michigan Platinum Mastercard here.
How do people rate the customer service and user experience of Community FCU of Michigan Platinum Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Community FCU of Michigan Platinum Mastercard report your account activity to credit bureaus?
Yes, Community FCU of Michigan Platinum Mastercard reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Community Financial Credit Union of Michigan perform a hard credit pull?
Yes, Community FCU of Michigan Platinum Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Community FCU of Michigan Platinum Mastercard
- Visit the website of Community FCU of Michigan Platinum Mastercard.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
View Community FCU of Michigan Platinum Mastercard's published terms & conditions
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
8:00AM - 8:00PM
Friday
8:00AM - 8:00PM
Saturday
8:00AM - 1:00PM