Michigan State University Federal Credit Union Platinum Visa
in Personal Credit Cards from Michigan State University Federal Credit Union
UnaffiliatedMichigan State University Federal Credit Union Platinum Visa
in Personal Credit Cards from Michigan State University Federal Credit Union
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| 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 Federal Credit Union Platinum Visa Review
This is a credit card issued by Michigan State University Federal Credit Union. If you're wondering whether Michigan State University Federal Credit Union 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.
- 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 Federal Credit Union 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.
| The Good | The Bad |
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Does Michigan State University Federal Credit Union Platinum Visa have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Michigan State University Federal Credit Union 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 Federal Credit Union 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 Federal Credit Union 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 Federal Credit Union 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.
| 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 Federal Credit Union 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 Federal Credit Union Platinum Visa?
The following fees apply:
| 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 Federal Credit Union Platinum Visa have a foreign transaction fee?
Michigan State University Federal Credit Union 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 support contact email for Michigan State University Federal Credit Union Platinum Visa?
The support contact email for Michigan State University Federal Credit Union Platinum Visa is eservices@msufcu.org.
How do people rate the customer service and user experience of Michigan State University Federal Credit Union Platinum Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Michigan State University Federal Credit Union Platinum Visa report your account activity to credit bureaus?
Yes, Michigan State University Federal Credit Union 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 Federal Credit Union Platinum Visa
- Visit the Michigan State University Federal Credit Union 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.
Contact
- Headquarters
-
MSUFCU Headquarters
3777 West Road East Lansing, MI 48823
East Lansing, MI 48823 - Visit Site
- Email Support
Other Services by Michigan State University Federal Credit Union
Availability
- 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
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Foreign Currency Transaction Fee | 3% |
| Returned Payment Fee | Up to $25 |
| Paper Statement Fee | $5 |
| Late Fee Amount | $0 - $25 |
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