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Banking RegistryReal data. Clear answers.Data as of Oct 14, 2026
Banking RegistryReal data. Clear answers.
Artwork source · Vantage Credit Union ↗

Platinum Rewards Mastercard®Vantage Credit Union · state credit union, MO · NCUA 67804

CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer · MastercardNetwork stated on issuer website
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Purchase APR
—
Balance transfer
—
Cash advance APR
—
Annual fee
No annual fee, balance transfer fees, or cash advance fees
a year
Foreign fee
—
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
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—no source read
Annual feeNo annual fee, balance transfer fees, or cash advance feesVANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“No annual fee, balance transfer fees, or cash advance fees”VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance$0, No annual fee, balance transfer fees, or cash advance feesVANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“No annual fee, balance transfer fees, or cash advance fees”VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transfer$0, No annual fee, balance transfer fees, or cash advance feesVANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“No annual fee, balance transfer fees, or cash advance fees”VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction—no source read
Penalty fees
Late payment—no source read
Returned payment—no source read
1 pointNot disclosed1 point per $1. See source conditions for eligible purchases.VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“1 point”VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Earn 1 point for every dollar spent and double reward points on groceries and dining!Not disclosed1 point per $1. See source conditions for eligible purchases.VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Earn 1 point for every dollar spent and double reward points on groceries and dining!”VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
diningbetween February 15, 2026 and December 31, 20262 points per $1. First $3,000 of purchases in this shared group.VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Bonus reward points are earned independently on both dining and grocery purchases of up to $3,000 for Platinum Rewards cardholders between February 15, 2026 and December 31, 2026. VCU does not have the ability to control how a merchant chooses to classify their business; therefore, we reserve the right to determine which transactions qualify for the bonus points. VCU Platinum Rewards cardholders …”VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
grocerybetween February 15, 2026 and December 31, 20262 points per $1. First $3,000 of purchases in this shared group.VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Bonus reward points are earned independently on both dining and grocery purchases of up to $3,000 for Platinum Rewards cardholders between February 15, 2026 and December 31, 2026. VCU does not have the ability to control how a merchant chooses to classify their business; therefore, we reserve the right to determine which transactions qualify for the bonus points. VCU Platinum Rewards cardholders …”VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards conditions1 pointPoint posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. 1 pointVANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“1 point”VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards source conditions1 point for every dollar spent on net purchases* VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“for every dollar spent on net purchases*”VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards source conditions1 pointBalance transfer transactions, in addition to finance charges, fees, cash advances, convenience checks, foreign transactions charges or insurance charges posted to your account DO NOT qualify toward points in the CURewards Points Program. Account disclosures will be provided with receipt of credit card. VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Balance transfer transactions, in addition to finance charges, fees, cash advances, convenience checks, foreign transactions charges or insurance charges posted to your account DO NOT qualify toward points in the CURewards Points Program. Account disclosures will be provided with receipt of credit card.”VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards conditionsEarn 1 point for every dollar spent and double reward points on groceries and dining!Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn 1 point for every dollar spent and double reward points on groceries and dining!VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Earn 1 point for every dollar spent and double reward points on groceries and dining!”VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards conditionsdining; groceryPoint posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Bonus reward points are earned independently on both dining and grocery purchases of up to $3,000 for Platinum Rewards cardholders between February 15, 2026 and December 31, 2026. VCU does not have the ability to control how a merchant chooses to classify their business; therefore, we reserve the right to determine which transactions qualify for the bonus points. VCU Platinum Rewards cardholders will earn 2 points for every dollar spent on net dining purchases and 2 points for every dollar spent on net grocery purchases.VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“Bonus reward points are earned independently on both dining and grocery purchases of up to $3,000 for Platinum Rewards cardholders between February 15, 2026 and December 31, 2026. VCU does not have the ability to control how a merchant chooses to classify their business; therefore, we reserve the right to determine which transactions qualify for the bonus points. VCU Platinum Rewards cardholders …”VANTAGE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website