Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 12.92%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 12.92%(Verified 06/21/2024)
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Credit Score Range
500 - 850
Annual Fee
$0
MECU Visa Platinum Secured Review
This is a secured credit card issued by MECU. If you're wondering whether MECU Visa Platinum Secured 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 card. It gives you the benefits of a credit card , 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 up to 1% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of MECU Visa Platinum Secured
| The Good | The Bad |
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MECU Visa Platinum Secured FAQ
Does MECU Visa Platinum Secured have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for MECU Visa Platinum Secured?
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.MECU Visa Platinum Secured has a variable purchase APR starting at 12.92%. The card has a variable balance transfer APR starting at 12.92% . It also has a variable cash advance APR starting at 12.92% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does MECU Visa Platinum Secured 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | Starting at 12.92% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does MECU Visa Platinum Secured 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 12 months.
What are the fees for MECU Visa Platinum Secured?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $24 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does MECU Visa Platinum Secured have a foreign transaction fee?
MECU Visa Platinum Secured charges a foreign transaction fee of up to 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 Secured?
The customer service number for MECU Visa Platinum Secured is (800) 248-6328.
What is the support contact email for MECU Visa Platinum Secured?
The support contact email for MECU Visa Platinum Secured is info1@mecu.com.
What is the login page for MECU Visa Platinum Secured?
You can access the login page of MECU Visa Platinum Secured here.
How do people rate the customer service and user experience of MECU Visa Platinum Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does MECU Visa Platinum Secured report your account activity to credit bureaus?
Yes, MECU Visa Platinum Secured 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 MECU perform a hard credit pull?
Yes, MECU Visa Platinum Secured 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 MECU Visa Platinum Secured
- Visit the website of MECU Visa Platinum Secured.
- 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
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