Last Updated: 07/28/2025
IMCU Premier Advantage MasterCard®
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.99% - 21.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
12.99% - 21.99%(Verified 06/21/2024)
Credit Score Range
650 - 850
Annual Fee
N/A
IMCU Premier Advantage MasterCard® Review
This is a card issued by Indiana Members Credit Union. If you're wondering whether IMCU Premier Advantage MasterCard® is the right card for you, read on.
Key Takeaways
- APRs: IMCU Premier Advantage MasterCard® has a variable regular purchase APR that ranges from 12.99% up to 21.99%.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of IMCU Premier Advantage MasterCard
| The Good | The Bad |
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IMCU Premier Advantage MasterCard FAQ
Does IMCU Premier Advantage MasterCard have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for IMCU Premier Advantage 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.IMCU Premier Advantage MasterCard® has a variable purchase APR that ranges from 12.99% up to 21.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 21.99%. It also has a variable cash advance APR that ranges from 12.99% up to 21.99%.
Does IMCU Premier Advantage MasterCard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.90% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.99% - 21.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does IMCU Premier Advantage MasterCard have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 1.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 1.9% on qualified purchases for a period of 12 months.
What are the fees for IMCU Premier Advantage MasterCard?
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| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
What is the customer service phone number for IMCU Premier Advantage MasterCard?
The customer service number for IMCU Premier Advantage MasterCard is (800) 527-7258.
What is the support contact email for IMCU Premier Advantage MasterCard?
The support contact email for IMCU Premier Advantage MasterCard is members@imcu.com.
What is the login page for IMCU Premier Advantage MasterCard?
You can access the login page of IMCU Premier Advantage MasterCard here.
How do people rate the customer service and user experience of IMCU Premier Advantage MasterCard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does IMCU Premier Advantage MasterCard® report your account activity to credit bureaus?
Yes, IMCU Premier Advantage 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 Indiana Members Credit Union perform a hard credit pull?
Yes, IMCU Premier Advantage 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 IMCU Premier Advantage MasterCard
- Visit the website of IMCU Premier Advantage 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 1:00PM