Last Updated: 07/28/2025
Mission Federal Credit Union Preferred Platinum Mastercard
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
9.9% - 16.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
11.90% - 17.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
Mission Federal Credit Union Preferred Platinum Mastercard Review
This is a card issued by Mission Federal Credit Union. If you're wondering whether Mission Federal Credit Union Preferred Platinum Mastercard is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 3 months.
- APRs: Mission Federal Credit Union Preferred Platinum Mastercard has a variable regular purchase APR that ranges from 9.9% up to 16.9%.
- 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.
- A 2% balance transfer fee. Mission Federal Credit Union Preferred Platinum Mastercard charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $2.
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Mission Federal Credit Union Preferred Platinum Mastercard
| The Good | The Bad |
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Mission Federal Credit Union Preferred Platinum Mastercard FAQ
Does Mission Federal Credit Union Preferred Platinum Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Mission Federal Credit Union Preferred Platinum Mastercard?
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.Mission Federal Credit Union Preferred Platinum Mastercard has a variable purchase APR that ranges from 9.9% up to 16.9%. The card has a variable balance transfer APR that ranges from 11.90% up to 17.90%. It also has a variable cash advance APR that ranges from 11.90% up to 17.90%.
Does Mission Federal Credit Union Preferred Platinum Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.90% - 17.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Mission Federal Credit Union Preferred Platinum Mastercard have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 3 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 3 months.
What are the fees for Mission Federal Credit Union Preferred Platinum Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $22 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $35 . Does Mission Federal Credit Union Preferred Platinum Mastercard have a foreign transaction fee?
Mission Federal Credit Union Preferred Platinum Mastercard 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 Mission Federal Credit Union Preferred Platinum Mastercard?
The customer service number for Mission Federal Credit Union Preferred Platinum Mastercard is (858) 524-2850.
What is the support contact email for Mission Federal Credit Union Preferred Platinum Mastercard?
The support contact email for Mission Federal Credit Union Preferred Platinum Mastercard is membercare@missionfed.com.
How do people rate the customer service and user experience of Mission Federal Credit Union Preferred Platinum Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Mission Federal Credit Union Preferred Platinum Mastercard report your account activity to credit bureaus?
Yes, Mission Federal Credit Union Preferred Platinum Mastercard 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 Mission Federal Credit Union perform a hard credit pull?
Yes, Mission Federal Credit Union Preferred Platinum Mastercard 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 Mission Federal Credit Union Preferred Platinum Mastercard
- Visit the website of Mission Federal Credit Union Preferred Platinum Mastercard.
- 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
Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00AM
Tuesday
9:00AM - 4:00AM
Wednesday
9:00AM - 4:00AM
Thursday
9:00AM - 4:00AM
Friday
9:00AM - 4:00AM
Saturday
9:00AM - 1:00AM
Other Services by Mission Federal Credit Union
Other Credit Cards from Mission Federal Credit Union
Rating not yet determined
Purchase APR
10.9% - 17.9%
Disclaimer popup with additional information
Balance Transfer APR
12.9% - 17.9%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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