Bank of MillbrookVisa Platinum Credit CardRegistry illustration · issuer artwork unavailable

Visa Platinum Credit CardBank of Millbrook · SM bank, NY · FDIC 618

CurrentLast observed Oct 3, 2026Source date Oct 3, 2026Official issuerCredit card · Consumer · VisaFiled as “Bank of Millbrook Visa Platinum Credit Card”

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

Not disclosed

Foreign fee

—

Grace period

Not disclosed

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	Not disclosed	no source read
Annual fee	Not disclosedBank of Millbrook · Page Capture Oct 3, 2026 · Captured Oct 3, 2026	no source read	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Bank of Millbrook
Page Capture Oct 3, 2026 · Captured Oct 3, 2026
Read exact source ↗
Bank of Millbrook
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:5325c761d7f9fdf0e4d8ef71d0cce819fc786c72a91a22ef49a29e808ec5e2c0
“here.”
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Bank of Millbrook
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:5325c761d7f9fdf0e4d8ef71d0cce819fc786c72a91a22ef49a29e808ec5e2c0
“Bank of Millbrook offers Visa Platinum and Visa Platinum with Rewards credit cards to our customers subject to credit approval. To apply for your Bank of Millbrook Visa, please contact your local branch.”
Additional source detail; structured values remain unknown. Both named consumer cards are subject to credit approval and use a shared branch application; no online application is inferred.
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Bank of Millbrook
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:5325c761d7f9fdf0e4d8ef71d0cce819fc786c72a91a22ef49a29e808ec5e2c0
“$150,000 in travel/accident insurance on all cards. Card Benefit Disclosure available”
Additional source detail; structured values remain unknown. Shared $150,000 insurance coverage is not a cash benefit or credit limit; the linked disclosure is not yet captured.
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Bank of Millbrook
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:5325c761d7f9fdf0e4d8ef71d0cce819fc786c72a91a22ef49a29e808ec5e2c0
“25-day interest-free grace period on purchases”
Additional source detail; structured values remain unknown. The source states a 25-day interest-free purchase grace period; it does not disclose a purchase APR.
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Bank of Millbrook
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:5325c761d7f9fdf0e4d8ef71d0cce819fc786c72a91a22ef49a29e808ec5e2c0
“Starting 2/20/18, you will have a new rewards program for your Bank of Millbrook credit card called uChoose Rewards®. uChoose Rewards® will allow you to redeem points on your credit card purchases to use toward shopping, travel, event tickets, gift cards and more. Some important information about the transition of the rewards program:”
Additional source detail; structured values remain unknown. This passage describes a transition starting February 20, 2018, not a verified current earning policy.
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Bank of Millbrook
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:5325c761d7f9fdf0e4d8ef71d0cce819fc786c72a91a22ef49a29e808ec5e2c0
“You may start earning points with your new credit card starting 2/20/18. However, you must register online in order to start earning points”
Additional source detail; structured values remain unknown. Historical registration language does not establish current earning quantities or application eligibility.
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Bank of Millbrook
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:5325c761d7f9fdf0e4d8ef71d0cce819fc786c72a91a22ef49a29e808ec5e2c0
“To register your card or to monitor and redeem your UChoose Rewards® points, visit”
Additional source detail; structured values remain unknown. This is a rewards registration reference, not a card application.
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Bank of Millbrook
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:5325c761d7f9fdf0e4d8ef71d0cce819fc786c72a91a22ef49a29e808ec5e2c0
“www.uchooserewards.com”
Additional source detail; structured values remain unknown. The exact source reference is http://www.uchooserewards.com/. The HTTP reference is preserved without upgrading its scheme or treating rewards registration as a card application.
Read exact source ↗
Bank of Millbrook
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:5325c761d7f9fdf0e4d8ef71d0cce819fc786c72a91a22ef49a29e808ec5e2c0
“Bank of Millbrook offers Visa Platinum and Visa Platinum with Rewards credit cards to our customers subject to credit approval. To apply for your Bank of Millbrook Visa, please contact your local branch.”
Read exact source ↗

History

dates on sources or when they were captured

Oct 3, 2026: Annual fee, Balance transfer terms, Card terms, Issuer link

Offered through: Bank of Millbrook
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 618
Branches: 5 in NY
Sources: Official issuer · 0 documents · 0 pages cited

Documents

No republished document is bound to this product. See the sources above for the evidence behind these terms.

Visa Platinum Credit CardBank of Millbrook · SM bank, NY · FDIC 618

Rates and fees