VISA PLATINUMMunicipal Credit Union · state credit union, NY · NCUA 60153
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website
Balance transfer
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | 13.65%–20.65% variableMUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “13.65% to 20.65%”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfers | — | no source read | |
| APR for cash advances | 17.90%MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “The APR for Cash Advances for Platinum Visa Cards is a fixed 17.90%.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Minimum interest charge | $0.50MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “If you are charged interest, the charge will be no less than $.50”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Annual fee | NoneMUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “MCU prioritizes member success over profit, which is why we don’t charge annual fees. Instead, members can put that money towards their financial futures.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | 3% of the amount, minimum $1, Cash Advance Fee (Finance Charge) for Platinum Visa is $1.00 or 3.00% of the amount of each Cash Advance, whichever is greater.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Cash Advance Fee (Finance Charge) for Platinum Visa is $1.00 or 3.00% of the amount of each Cash Advance, whichever is greater.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | 3% of the amount, minimum $1, Balance Transfer Fee (Finance Charge) for Platinum Visa is $1.00 or 3.00% of the amount of each Balance Transfer, whichever is greater.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Balance Transfer Fee (Finance Charge) for Platinum Visa is $1.00 or 3.00% of the amount of each Balance Transfer, whichever is greater.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | 1% of the amount, Foreign Transaction Fee for Platinum Visa is 1% of each foreign transaction in U.S. dollars.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Foreign Transaction Fee for Platinum Visa is 1% of each foreign transaction in U.S. dollars.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| APR qualificationsCash advance · Regular | The APR for Cash Advances for Platinum Visa Cards is a fixed 17.90%.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “The APR for Cash Advances for Platinum Visa Cards is a fixed 17.90%.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsPurchase · Regular | depending on creditworthiness at account opening. The APR may vary.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “depending on creditworthiness at account opening. The APR may vary.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |