Michigan State University Federal Credit Union Platinum Visa Credit Card

Nationwide

Availability

Affiliation is limited to MSU or OU Faculty and Staff; MSU or OU Student, Alumni, and Donors; Desk Drawer Fund Donors; State of Michigan Employees; Live, work, worship, go to school, or own a business in Oakland, Genesse, Lapeer, Livingston, and Macomb co

Eligibility requirements

Affiliation is limited to MSU or OU Faculty and Staff; MSU or OU Student, Alumni, and Donors; Desk Drawer Fund Donors; State of Michigan Employees; Live, work, worship, go to school, or own a business in Oakland, Genesse, Lapeer, Livingston, and Macomb co
Affiliation is limited to MSU or OU Faculty and Staff; MSU or OU Student, Alumni, and Donors; Desk Drawer Fund Donors; State of Michigan Employees; Live, work, worship, go to school, or own a business in Oakland, Genesse, Lapeer, Livingston, and Macomb co
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

msufcu.org

Phone

(800) 678-4968

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

9.9% – 17.9%*

*As of Dec. 31, 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	17.9%	1 dollar sign symbol Pay less interest
620-719	14.9%	1 dollar sign symbol Pay less interest
720+	9.9%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is fixed, meaning it will not go up or down with changes to an index, but it may still change. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: 3% of each purchase; 1 % for ATM transactions and 3% for all other transactions calculated after the transaction has been converted to US dollars  
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $25 if amount due is $25 or more, $15 if between $15 and $24.99, $0 if below $15
Over-limit fee: None
Returned Convenience Check fee: $25 (If the Credit Union does not pay a draft written against the account, the Credit Union will assess a charge for each returned draft.)

Rewards and perks

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

Services

Access to Free Credit Scores
Automobile rental insurance

Card features

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

Balance transfer interest rate and fees

0%*

+

$0

*As of Dec. 31, 2024. Advertised balance transfer APRs change over time. Check rates before applying.

After 6 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

9.9% – 17.9%*

+

1%

Cash advance fee details: 1% for International ATM transactions

*As of Dec. 31, 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	14.9%
620-719	12.9%
720+	9.9%

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.