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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  (Variable APR) 9.9% - 17.9%
Balance Transfer APR  (Variable APR) 9.9% - 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 FCU. If you're wondering whether Michigan State University FCU Platinum Visa is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • Competitive APRs. Michigan State University FCU Platinum Visa has a variable purchase APR that ranges from 9.9% 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.
  • $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 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, travel accident insurance, travel assistance, 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.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair credit.
  • Michigan State University FCU Platinum Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • 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.

What are the Michigan State University FCU Platinum Visa benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • 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 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 9.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 9.9% up to 17.9%. It also has a variable cash advance APR that ranges from 9.9% 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?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

Michigan State University FCU Platinum Visa Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 9.9% - 17.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

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 3%
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?

Michigan State University FCU Platinum Visa charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Michigan State University FCU Platinum Visa?

The Michigan State University FCU Platinum Visa customer service number 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 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:

  • 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 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.

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Contact

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 FCU

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View all credit cards offered by Michigan State University FCU

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 3%
No Annual 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
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
  • Auto Rental Collision Damage Waiver
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 9.9% - 17.9%
APR Type Variable APR
Balance Computation Average daily balance
Penalty APR (Variable APR) 17.9%
Purchase APR (Variable APR) 9.9% - 17.9%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 9.9% - 17.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Low Interest
Card Network Visa

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