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  Michigan State University FCU Platinum Visa
Michigan State University FCU Platinum Visa Unaffiliated

Michigan State University FCU Platinum Visa

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Highlights
Purchase APR 13.9% - 17.9%
Balance Transfer APR 13.9% - 17.9%
Credit Score Range 600 - 850
Annual Fee $0

Michigan State University FCU Platinum Visa Review

This is a credit card issued by Michigan State University Federal Credit Union. If you're wondering whether Michigan State University FCU Platinum Visa 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. Michigan State University FCU Platinum Visa has a variable 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 card. It gives you the benefits of a credit card, 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 and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Michigan State University FCU Platinum Visa
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • Michigan State University FCU Platinum Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
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 card features rewards for purchases in the following categories:

What are the Michigan State University FCU Platinum Visa benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?

The following fees apply:

Michigan State University FCU Platinum Visa Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee $0 - $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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 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 Michigan State University FCU Platinum Visa login page?

You can access the Michigan State University FCU Platinum Visa login page 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 your account activity to the following credit reporting agencies:

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 Michigan State University FCU Platinum Visa

  • Visit the Michigan State University FCU Platinum Visa 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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

  • Headquarters
  •   MSUFCU Headquarters
    3777 West Road East Lansing, MI 48823
    East Lansing, MI 48823 USA
  •   Visit Site
  • Email Support

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

Other Services by Michigan State University Federal Credit Union

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View all credit cards offered by Michigan State University Federal Credit Union

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

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Paper Statement Fee $5
Late Fee Amount $0 - $25
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
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
Signup Bonus Up to $50
Cash Advance APR 13.9% - 17.9%
Balance Computation Average daily balance
Penalty APR 17.9%
Purchase APR 13.9% - 17.9%
Balance Transfer APR 13.9% - 17.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Cashback
Card Network Visa

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