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Purchase APR (Variable APR) | 9.75% - 12.75% |
Balance Transfer APR (Variable APR) | 9.75% - 12.75% |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
MECU Visa Platinum Rewards Review
This is a rewards credit card issued by MECU. If you're wondering whether MECU Visa Platinum Rewards 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.
- Competitive APRs. MECU Visa Platinum Rewards has a variable purchase APR that ranges from 9.75% up to 12.75%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
- 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.
The Good | The Bad |
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Does MECU Visa Platinum Rewards have a cash back or rewards program?
MECU Visa Platinum Rewards is a rewards card.
Minimum rewards rate | 1x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Does MECU Visa Platinum Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does MECU Visa Platinum Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the MECU Visa Platinum Rewards benefits?
It provides the following benefits:
- Emergency Support
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for MECU Visa Platinum Rewards?
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.MECU Visa Platinum Rewards has a variable purchase APR that ranges from 9.75% up to 12.75%. The card has a variable balance transfer APR that ranges from 9.75% up to 12.75%. It also has a variable cash advance APR that ranges from 9.75% up to 12.75%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does MECU Visa Platinum Rewards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of up to 12 months.
Description | |
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Balance Transfer Fee % After Intro Period | Starting at 0% |
Balance Transfer Introductory APR | 1.99% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 9.75% - 12.75% |
Balance Transfer Fee Minimum | $0 |
Balance Transfer Fee % | 0% |
Does MECU Visa Platinum Rewards have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 1.99% |
Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 1.99% on qualified purchases for a period of up to 12 months.
What are the fees for MECU Visa Platinum Rewards?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 1% |
Returned Payment Fee | up to $15 |
Late Payment Fee | up to $24 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does MECU Visa Platinum Rewards have a foreign transaction fee?
MECU Visa Platinum Rewards 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 support contact email for MECU Visa Platinum Rewards?
The support contact email for MECU Visa Platinum Rewards is info1@mecu.com.
How do people rate the customer service and user experience of MECU Visa Platinum Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does MECU Visa Platinum Rewards report your account activity to credit bureaus?
Yes, MECU Visa Platinum Rewards 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 MECU Visa Platinum Rewards
- Visit the MECU Visa Platinum Rewards 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.
Contact
- Headquarters
-
7 East Redwood Street
Baltimore, MD 21202 - Visit Site
- Email Support
Other Services by MECU
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
Introductory Rate | 1.99% |
Purchase Intro APR Period (Variable APR) | 12 months |
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