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  Mayo Employees Federal Credit Union Visa Platinum
Mayo Employees Federal Credit Union Visa Platinum
in Credit Cards from Mayo Employees Federal Credit Union
Unaffiliated

Mayo Employees Federal Credit Union Visa Platinum

Unaffiliated
in Credit Cards from Mayo Employees Federal Credit Union
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Highlights
Purchase APR  (Variable APR) Starting at 0
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) Starting at 7.25
(Verified 08/04/2023)
Credit Score Range 600 - 850
Annual Fee $0

Mayo Employees Federal Credit Union Visa Platinum Review

This is a cashback card issued by Mayo Employees Federal Credit Union. If you're wondering whether Mayo Employees Federal Credit Union Visa Platinum is the right card for you, read on.

Key Takeaways

  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Mayo Employees Federal Credit Union Visa Platinum

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair credit.
  • Mayo Employees Federal Credit Union Visa Platinum reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.

Mayo Employees Federal Credit Union Visa Platinum FAQ

Does Mayo Employees Federal Credit Union Visa Platinum have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Mayo Employees Federal Credit Union Visa Platinum benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Mayo Employees Federal Credit Union Visa Platinum?

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

Mayo Employees Federal Credit Union Visa Platinum has a variable purchase APR starting at 0% . The card has a variable balance transfer APR starting at 7.25% . It also has a variable cash advance APR starting at 0% .

Does Mayo Employees Federal Credit Union Visa Platinum have an intro APR offer on balance transfers?

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

Does Mayo Employees Federal Credit Union Visa Platinum 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 Mayo Employees Federal Credit Union Visa Platinum?

The following fees apply:

  • There is no overlimit fee
Mayo Employees Federal Credit Union Visa Platinum Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Initial Program Fee $
Foreign Transaction Fee 1%
Returned Payment Fee Starting at $ up to $25
Late Payment Fee Starting at up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Mayo Employees Federal Credit Union Visa Platinum have a foreign transaction fee?

Mayo Employees Federal Credit Union Visa Platinum charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 Mayo Employees Federal Credit Union Visa Platinum?

The Mayo Employees Federal Credit Union Visa Platinum customer service number is (800) 535-2129.

What is the support contact email for Mayo Employees Federal Credit Union Visa Platinum?

The support contact email for Mayo Employees Federal Credit Union Visa Platinum is mecu@mayo.edu.

What is the Mayo Employees Federal Credit Union Visa Platinum login page?

You can access the Mayo Employees Federal Credit Union Visa Platinum login page here.

How do people rate the customer service and user experience of Mayo Employees Federal Credit Union Visa Platinum?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Mayo Employees Federal Credit Union Visa Platinum report your account activity to credit bureaus?

Yes, Mayo Employees Federal Credit Union Visa Platinum 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 Mayo Employees Federal Credit Union Visa Platinum

  • Visit the Mayo Employees Federal Credit Union Visa Platinum 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.

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 5:00am - 2:00am
  • Tuesday 5:00am - 2:00am
  • Wednesday 5:00am - 2:00am
  • Thursday 5:00am - 2:00am
  • Friday 5:00am - 2:00am
  • Saturday 6:00am - 9:00am

About Mayo Employees Federal Credit Union Visa Platinum

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum 0
Cash Advance Fee (%) Starting at 0
Minimum Cash Advance Fee ($) Starting at 0
Foreign Currency Transaction Fee 1
No Annual Fee
Annual Fee $0
Over-Limit Fee 0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to 25
Paper Statement Fee 5
Late Fee Amount Up to 25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Reward Rates Starting at 1
Rewards Type Cash Back
Cash Advance APR (Variable APR) Starting at 0
APR Type Variable APR
Balance Computation Average Daily Balance
Credit Limit Up to 25,000
Purchase APR (Variable APR) Starting at 0
(Verified 08/04/2023)
Balance Transfer Fee % After Intro Period Starting at 0
Balance Transfer APR (Variable APR) Starting at 7.25
(Verified 08/04/2023)
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Low Interest
  • Cashback
Card Network Visa

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.