Last Updated: 07/28/2025
MCECU Mastercard Platinum Rewards Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
7.90% - 16.90%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
7.90% - 16.90%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
MCECU Mastercard Platinum Rewards Card Review
This is a rewards card issued by Memphis City Employees Credit Union. If you're wondering whether MCECU Mastercard Platinum Rewards Card is the right card for you, read on.
Key Takeaways
- APRs: MCECU Mastercard Platinum Rewards Card has a variable regular purchase APR that ranges from 7.90% up to 16.90%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
Pros & Cons of MCECU Mastercard Platinum Rewards Card
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MCECU Mastercard Platinum Rewards Card FAQ
Does MCECU Mastercard Platinum Rewards Card have a cash back or rewards program?
MCECU Mastercard Platinum Rewards Card is a rewards card.
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| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does MCECU Mastercard Platinum Rewards Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does MCECU Mastercard Platinum Rewards Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the MCECU Mastercard Platinum Rewards Card benefits?
MCECU Mastercard Platinum Rewards Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for MCECU Mastercard Platinum Rewards Card?
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.MCECU Mastercard Platinum Rewards Card has a variable purchase APR that ranges from 7.90% up to 16.90%. The card has a variable balance transfer APR that ranges from 7.90% up to 16.90%. It also has a variable cash advance APR that ranges from 7.90% up to 16.90%.
Does MCECU Mastercard Platinum Rewards Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does MCECU Mastercard Platinum Rewards Card 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 MCECU Mastercard Platinum Rewards Card?
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| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for MCECU Mastercard Platinum Rewards Card?
The customer service number for MCECU Mastercard Platinum Rewards Card is (901) 321-1200.
What is the support contact email for MCECU Mastercard Platinum Rewards Card?
The support contact email for MCECU Mastercard Platinum Rewards Card is cuinfo@memphiscu.org.
What is the login page for MCECU Mastercard Platinum Rewards Card?
You can access the login page of MCECU Mastercard Platinum Rewards Card here.
How do people rate the customer service and user experience of MCECU Mastercard Platinum Rewards Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does MCECU Mastercard Platinum Rewards Card report your account activity to credit bureaus?
Yes, MCECU Mastercard Platinum Rewards Card 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 Memphis City Employees Credit Union perform a hard credit pull?
Yes, MCECU Mastercard Platinum Rewards Card 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 MCECU Mastercard Platinum Rewards Card
- Visit the website of MCECU Mastercard Platinum Rewards Card.
- 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 - 4:00PM
Saturday
Closed