Last Updated: 07/28/2025
Michigan State University FCU Platinum Visa
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.9% - 17.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
13.9% - 17.9%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Michigan State University FCU Platinum Visa Review
This is a cashback credit card issued by Michigan State University FCU. If you're wondering whether Michigan State University FCU Platinum Visa is the right card for you, read on.
Key Takeaways
- APRs: Michigan State University FCU Platinum Visa has a variable regular purchase APR that ranges from 13.9% up to 17.9%.
- 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.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Michigan State University FCU Platinum Visa
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Michigan State University FCU Platinum Visa FAQ
Does Michigan State University FCU Platinum Visa 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.
| Description |
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Michigan State University FCU Platinum Visa?
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.Michigan State University FCU Platinum Visa has a variable purchase APR that ranges from 13.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 13.9% up to 17.9%. It also has a variable cash advance APR that ranges from 13.9% up to 17.9%.
Note that late payments are subject to an APR of 17.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Michigan State University FCU Platinum Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Michigan State University FCU Platinum Visa 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 Michigan State University FCU Platinum Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $0 - $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $25 . Does Michigan State University FCU Platinum Visa have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Michigan State University FCU Platinum Visa?
The customer service number for Michigan State University FCU Platinum Visa is (517) 333-2424.
What is the support contact email for Michigan State University FCU Platinum Visa?
The support contact email for Michigan State University FCU Platinum Visa is eservices@msufcu.org.
What is the login page for Michigan State University FCU Platinum Visa?
You can access the login page of Michigan State University FCU Platinum Visa here.
How do people rate the customer service and user experience of Michigan State University FCU Platinum Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Michigan State University FCU Platinum Visa report your account activity to credit bureaus?
Yes, Michigan State University FCU Platinum Visa 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 Michigan State University FCU perform a hard credit pull?
Yes, Michigan State University FCU Platinum Visa 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 Michigan State University FCU Platinum Visa
- Visit the website of Michigan State University FCU Platinum Visa.
- 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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Contact
Headquarters
MSUFCU Headquarters
3777 West Road East Lansing, MI 48823
East Lansing, MI 48823
Hours of Operation
Sunday
Closed
Monday
6:00AM - 2:00AM
Tuesday
6:00AM - 2:00AM
Wednesday
6:00AM - 2:00AM
Thursday
6:00AM - 2:00AM
Friday
6:00AM - 3:00AM
Saturday
6:00AM - 12:00PM