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  Municipal Credit Union Platinum Visa Credit Card

Municipal Credit Union Platinum Visa Credit Card

in Personal Credit Cards from Municipal Credit Union

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Municipal Credit Union Platinum Visa Credit Card

Unaffiliated

in Personal Credit Cards from Municipal Credit Union

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Highlights
Purchase APR  (Variable APR) 10.15% - 13.15%
Balance Transfer APR  (Variable APR) 10.15% - 13.15%
Credit Score Range 600 - 850
Annual Fee $0

Municipal Credit Union Platinum Visa Credit Card Review

Municipal Credit Union Platinum Visa Credit Card is a credit 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. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Municipal Credit Union Platinum Visa Credit Card has a variable purchase APR that ranges from 10.15% up to 13.15%.
  • 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 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Municipal Credit Union Platinum Visa Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3.9%.
  • No balance transfer fee.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Municipal Credit Union Platinum Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Municipal Credit Union Platinum Visa Credit Card FAQ

Is there a Municipal Credit Union Platinum Visa Credit Card cash back or rewards program?

No, Municipal Credit Union Platinum Visa Credit Card does not offer a rewards program.

What are the Municipal Credit Union Platinum Visa Credit Card benefits?

Municipal Credit Union Platinum Visa Credit Card provides the following benefits:

  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Municipal Credit Union Platinum Visa Credit Card has lower than average purchase APRs.

Municipal Credit Union Platinum Visa Credit Card has a variable purchase APR that ranges from 10.15% up to 13.15%. The card has a variable balance transfer APR that ranges from 10.15% up to 13.15%. It also has a variable cash advance APR of 17.9% .

Does Municipal Credit Union Platinum Visa Credit Card have an introductory APR offer on balance transfers?

Yes, Municipal Credit Union Platinum Visa Credit Card offers an introductory APR rate on balance transfers of 3.9% for a period of up to 6 months.

Municipal Credit Union Platinum Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 3.9%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 10.15% - 13.15%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Municipal Credit Union Platinum Visa Credit Card have an introductory APR offer on new purchases?

Municipal Credit Union Platinum Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 3.9%
Purchase Intro APR Period 6 months

This card does offer an introductory APR rate of 3.9% on qualified purchases for a period of up to 6 months.

What are the fees for Municipal Credit Union Platinum Visa Credit Card?

The following fees apply to Municipal Credit Union Platinum Visa Credit Card:

Municipal Credit Union Platinum Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $20
Late Payment Fee up to $30

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 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 a foreign transaction fee.

Does Municipal Credit Union Platinum Visa Credit Card report your account activity to credit bureaus?

Yes, Municipal Credit Union Platinum Visa Credit Card 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 Municipal Credit Union Platinum Visa Credit Card

  • Visit the Municipal Credit Union Platinum Visa Credit Card 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.

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

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 3:00pm
  • Tuesday 9:00am - 3:00pm
  • Wednesday 9:00am - 3:00pm
  • Thursday 9:00am - 3:00pm
  • Friday 9:00am - 3:00pm
  • Saturday Closed

About Municipal Credit Union Platinum Visa Credit Card

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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

Introductory Rate 3.9%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $1
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $1
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $20
Late Fee Amount Up to $30
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 17.9%
Balance Computation Average daily balance (including new purchases)
Purchase APR (Variable APR) 10.15% - 13.15%
Balance Transfer Introductory APR (Variable APR) 3.9%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 10.15% - 13.15%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
  • Low Interest
Card Network Visa

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