Last Updated: 07/28/2025
Monterra Credit Union Visa® Platinum Rewards Card
Unaffiliated
in Credit Cards from Monterra Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.99% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.99% - 18.00%(Verified 06/21/2024)
Credit Score Range
620 - 850
Annual Fee
$0
Monterra Credit Union Visa® Platinum Rewards Card Review
This is a rewards card issued by Monterra Credit Union. If you're wondering whether Monterra Credit Union Visa® Platinum Rewards Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Monterra Credit Union Visa® Platinum Rewards Card has a variable regular purchase APR that ranges from 14.99% up to 18.00%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Monterra Credit Union Visa® Platinum Rewards Card
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Monterra Credit Union Visa® Platinum Rewards Card FAQ
Does Monterra Credit Union Visa® Platinum Rewards Card have a cash back or rewards program?
Monterra Credit Union Visa® Platinum Rewards Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Monterra Credit Union Visa® Platinum Rewards Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 5000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Monterra Credit Union Visa® Platinum Rewards Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for Monterra Credit Union Visa® Platinum Rewards Card?
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.Monterra Credit Union Visa® Platinum Rewards Card has a variable purchase APR that ranges from 14.99% up to 18.00%. The card has a variable balance transfer APR that ranges from 14.99% up to 18.00%. It also has a variable cash advance APR that ranges from 14.99% up to 18.00%.
Does Monterra Credit Union Visa® Platinum Rewards Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Monterra Credit Union Visa® Platinum Rewards Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 2.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 2.99% on qualified purchases for a period of 12 months.
What are the fees for Monterra Credit Union Visa® Platinum Rewards Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for Monterra Credit Union Visa® Platinum Rewards Card?
The customer service number for Monterra Credit Union Visa® Platinum Rewards Card is (888) 363-1725.
What is the support contact email for Monterra Credit Union Visa® Platinum Rewards Card?
The support contact email for Monterra Credit Union Visa® Platinum Rewards Card is communityrelations@smcu.org.
What is the login page for Monterra Credit Union Visa® Platinum Rewards Card?
You can access the login page of Monterra Credit Union Visa® Platinum Rewards Card here.
How do people rate the customer service and user experience of Monterra Credit Union Visa® Platinum Rewards Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Monterra Credit Union perform a hard credit pull?
Yes, Monterra Credit Union Visa® Platinum Rewards Card 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 Monterra Credit Union Visa® Platinum Rewards Card
- Visit the website of Monterra Credit Union Visa® Platinum Rewards Card.
- 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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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 2:00PM