Community Choice Credit Union Platinum Mastercard | Consumer Financial Protection Bureau

Michigan only

Availability

Eligibility requirements

This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

communitychoicecu.com

Phone

(877) 243-2528

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

13.74% – 24.99%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
619 or less	23.62%	2 dollar sign symbols Pay average interest
620-719	17.99%	1 dollar sign symbol Pay less interest
720+	14.74%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: None, interest begins accruing on purchases immediately
Balance computation method: INTEREST AND FINANCE CHARGES — We will begin charging You interest on purchases on the date the transaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on the date of the transaction or the first d
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $29 for the first late payment
Over-limit fee: None
Returned Payment Fee: $29 (29 or the amount of the required minimum payment, whichever is less)
Card Replacement Fee: $5 (None)
Pay-by-Phone Fee: $18 (None)
Rush Fee: $35 (None)
Statement Copy Fee: $5 (Per document)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services

Automobile rental insurance
Debt cancellation coverage

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

15.74% – 24.99%*

+

$10 or 2%

*As of Jun. 30, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
619 or less	24.99%
620-719	19.99%
720+	16.74%

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.