Last Updated: 07/28/2025
Municipal Credit Union Platinum Visa Credit Card
Unaffiliated
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rateCommunity Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
10.90% - 13.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
10.90% - 13.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
Municipal Credit Union Platinum Visa Credit Card Review
This is a card issued by Municipal Credit Union. If you're wondering whether Municipal Credit Union Platinum Visa Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Municipal Credit Union Platinum Visa Credit Card has a variable regular purchase APR that ranges from 10.90% up to 13.90%.
- 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.
- 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 Municipal Credit Union Platinum Visa Credit Card
| The Good | The Bad |
|
|
Municipal Credit Union Platinum Visa Credit Card FAQ
Does Municipal Credit Union Platinum Visa Credit Card 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 Municipal Credit Union Platinum Visa Credit 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.Municipal Credit Union Platinum Visa Credit Card has a variable purchase APR that ranges from 10.90% up to 13.90%. The card has a variable balance transfer APR that ranges from 10.90% up to 13.90%. It also has a variable cash advance APR of 17.9% .
Does Municipal Credit Union Platinum Visa Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 3.9% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 10.90% - 13.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 3.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Municipal Credit Union Platinum Visa Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 3.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 3.9% on qualified purchases for a period of 6 months.
What are the fees for Municipal Credit Union Platinum Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Municipal Credit Union Platinum Visa Credit Card have a foreign transaction fee?
Municipal Credit Union Platinum Visa Credit Card 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 Municipal Credit Union Platinum Visa Credit Card?
The customer service number for Municipal Credit Union Platinum Visa Credit Card is (800) 323-6713.
What is the support contact email for Municipal Credit Union Platinum Visa Credit Card?
The support contact email for Municipal Credit Union Platinum Visa Credit Card is mediainquiries@nymcu.org.
How do people rate the customer service and user experience of Municipal Credit Union Platinum Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Municipal Credit Union Platinum Visa Credit Card report your account activity to credit bureaus?
Yes, Municipal Credit Union Platinum Visa Credit Card 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 Municipal Credit Union perform a hard credit pull?
Yes, Municipal Credit Union Platinum Visa Credit 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 Municipal Credit Union Platinum Visa Credit Card
- Visit the website of Municipal Credit Union Platinum Visa Credit 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.
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.
Created by
Fact Checked by
Hours of Operation
SundayClosedMondayInvalid DateTime - Invalid DateTimeTuesdayInvalid DateTime - Invalid DateTimeWednesdayInvalid DateTime - Invalid DateTimeThursdayInvalid DateTime - Invalid DateTimeFridayInvalid DateTime - Invalid DateTimeSaturdayClosed
Other Services by Municipal Credit Union
Other Credit Cards from Municipal Credit Union
Rating not yet determined
Purchase APR
11.9%
Disclaimer popup with additional information
Balance Transfer APR
11.9%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
12.40%
Disclaimer popup with additional information
Balance Transfer APR
12.40%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.15% - 17.65%
Disclaimer popup with additional information
Balance Transfer APR
13.15% - 17.65%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
This product has no reviews yet. Help others by sharing your thoughts.
0
-1000+100
No one recommends
Everyone recommends
Municipal Credit Union Platinum Visa Credit Card Community Reviews
Would you recommend Municipal Credit Union Platinum Visa Credit Card to your friends?
There are currently no reviews.
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
