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  MECU Visa Platinum Rewards
MECU Visa Platinum Rewards Unaffiliated

MECU Visa Platinum Rewards

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Highlights
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.

Key Takeaways

  • 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.

Pros & Cons of MECU Visa Platinum Rewards

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.99%.
  • No balance transfer fee.
  • No annual fee.
  • Travel assistance insurance
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on purchases everywhere MECU Visa Platinum Rewards is accepted.
  • MECU Visa Platinum Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

MECU Visa Platinum Rewards FAQ

Does MECU Visa Platinum Rewards have a cash back or rewards program?

MECU Visa Platinum Rewards is a rewards card.

MECU Visa Platinum Rewards Rewards
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.

MECU Visa Platinum Rewards Balance Transfers
Description
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?

MECU Visa Platinum Rewards Purchase Intro Offer
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
MECU Visa Platinum Rewards Fees
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 customer service phone number for MECU Visa Platinum Rewards?

The MECU Visa Platinum Rewards customer service number is (800) 248-6328.

What is the support contact email for MECU Visa Platinum Rewards?

The support contact email for MECU Visa Platinum Rewards is info1@mecu.com.

What is the MECU Visa Platinum Rewards login page?

You can access the MECU Visa Platinum Rewards login page here.

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.

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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 8:30am - 4:30pm
  • Tuesday 8:30am - 4:30pm
  • Wednesday 8:30am - 4:30pm
  • Thursday 9:00am - 4:30pm
  • Friday 8:30am - 5:30pm
  • Saturday Closed

Other Services by MECU

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View all credit cards offered by MECU

Availability

  Available in 50 states and Washington, D.C.
  • 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
Cash Advance Fee Minimum $0
Cash Advance Fee (%) Starting at 0%
Minimum Cash Advance Fee ($) Starting at $0
Foreign Currency Transaction Fee 1%
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $15
Late Fee Amount Up to $24
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 9.75% - 12.75%
Balance Computation Average daily balance
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 9.75% - 12.75%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 9.75% - 12.75%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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