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  Community Financial Credit Union of Michigan Platinum Rewards Mastercard

Community Financial Credit Union of Michigan Platinum Rewards Mastercard

in Personal Credit Cards from Community Financial Credit Union of Michigan

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Community Financial Credit Union of Michigan Platinum Rewards Mastercard

Unaffiliated

in Personal Credit Cards from Community Financial Credit Union of Michigan

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Highlights
Purchase APR  (Fixed APR) 8.99% - 18.00%
Balance Transfer APR  (Fixed APR) 8.99% - 18.00%
Credit Score Range 600 - 850
Annual Fee N/A

Community Financial Credit Union of Michigan Platinum Rewards Mastercard Review

This is a rewards credit card issued by Community Financial Credit Union of Michigan. If you're wondering whether Community Financial Credit Union of Michigan Platinum Rewards Mastercard is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Community Financial Credit Union of Michigan Platinum Rewards Mastercard has a fixed purchase APR that ranges from 8.99% up to 18.00%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of .9% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Community Financial Credit Union of Michigan Platinum Rewards Mastercard
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Community Financial Credit Union of Michigan Platinum Rewards Mastercard is accepted.
  • Community Financial Credit Union of Michigan Platinum Rewards Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of .9%.
Community Financial Credit Union of Michigan Platinum Rewards Mastercard FAQ

Does Community Financial Credit Union of Michigan Platinum Rewards Mastercard have a cash back or rewards program?

Community Financial Credit Union of Michigan Platinum Rewards Mastercard is a travel rewards card.

Community Financial Credit Union of Michigan Platinum Rewards Mastercard Rewards
Minimum rewards rate 1 point per dollar spentx
Max rewards rate N/A
Annual rewards limit N/A

Does Community Financial Credit Union of Michigan Platinum Rewards Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Community Financial Credit Union of Michigan Platinum Rewards Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Community Financial Credit Union of Michigan Platinum Rewards Mastercard benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Community Financial Credit Union of Michigan Platinum Rewards Mastercard?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a fixed purchase APR that ranges from 8.99% up to 18.00%. The card has a fixed balance transfer APR that ranges from 8.99% up to 18.00%. It also has a fixed cash advance APR that ranges from 8.99% up to 18.00%. Note that late payments are subject to an APR of 18.00% 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 Financial Credit Union of Michigan Platinum Rewards Mastercard have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Community Financial Credit Union of Michigan Platinum Rewards 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 Financial Credit Union of Michigan Platinum Rewards Mastercard?

The following fees apply:

  • An overlimit fee of $35.00.
Community Financial Credit Union of Michigan Platinum Rewards Mastercard Fees
Fees Amount
Annual Fee
Overlimit Fee $35.00
Foreign Transaction Fee .9%
Returned Payment Fee up to $12
Late Payment Fee up to $35

Does Community Financial Credit Union of Michigan Platinum Rewards Mastercard have a foreign transaction fee?

Community Financial Credit Union of Michigan Platinum Rewards Mastercard charges a foreign transaction fee of .9%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $18. 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 Financial Credit Union of Michigan Platinum Rewards Mastercard?

The Community Financial Credit Union of Michigan Platinum Rewards Mastercard customer service number is (877) 937-2328.

What is the support contact email for Community Financial Credit Union of Michigan Platinum Rewards Mastercard?

The support contact email for Community Financial Credit Union of Michigan Platinum Rewards Mastercard is cumail@cfcu.org.

Does Community Financial Credit Union of Michigan Platinum Rewards Mastercard report your account activity to credit bureaus?

Yes, Community Financial Credit Union of Michigan Platinum Rewards Mastercard reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Community Financial Credit Union of Michigan Platinum Rewards Mastercard

  • Visit the Community Financial Credit Union of Michigan Platinum Rewards Mastercard website.
  • 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 Financial Credit Union of Michigan Platinum Rewards Mastercard's published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Contact

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

Other Services by Community Financial Credit Union of Michigan

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View all personal credit cards offered by Community Financial Credit Union of Michigan

Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

No Interest Grace Period for Late Payment 28 days
Foreign Currency Transaction Fee 0.9%
Over-Limit Fee $35.00
Returned Payment Fee Up to $12
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Entertainment
  • Every Purchase
  • Travel
  • Hotels
  • Airfare
  • Gas
  • Online
  • Select Merchants
Cash Advance APR (Fixed APR) 8.99% - 18.00%
Balance Computation We will use a method called “average daily balance (including new purchases).”
Penalty APR (Fixed APR) 18.00%
Purchase APR (Fixed APR) 8.99% - 18.00%
Balance Transfer APR (Fixed APR) 8.99% - 18.00%
Card Type
  • Rewards
  • Balance Transfer
  • Travel
  • Student
  • Gas
Card Network Mastercard

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