Platinum Plus Visa
Earn 1% Cash Back
Reward yourself with the MEA Platinum Plus Visa Credit Card. Enjoy rates as low as 12.9% APR and receive 1% cash back on all of your purchases!1
How to Earn Cash Back:
Every time you use your MEA Platinum Plus Visa anywhere Visa is accepted, you earn 1% cash back.
Your cash back never expires and you may redeem your cash back at any time — for any amount.
1 Members will earn 1% cash back on all purchases. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to the amount returned. Negative cash back will be given if returns or credits exceed purchases.
0% Introductory APR on Balance Transfers For Six Months
Receive six (6) months of 0% APR on balance transfers when you move your high-rate credit card balances to your low-rate MEA Visa. Once your introductory rate ends, the balance transfer rate will revert to your standard rate, between 12.9% APR and 17.9% APR.1
1 APR is Annual Percentage Rate. APR of 0% is valid for six (6) months from date the Visa Credit Card is opened and applies only to balance transfers from another financial institution’s credit card. After six (6) months, rate will revert to your standard rate (between 8.9% and 17.9%). Your Visa account must be in good standing to qualify for promotional rate. Accounts 60 days late revert to the Penalty Rate of 17.9%. This special rate is for balance transfers only and does not apply to purchases and cash advances.
MEA Visa Card Benefits
• 30,000 surcharge-free ATMs on the nationwide CO-OP Network
• Use with Apple Pay, Android Pay, and Samsung Pay1
• No application, annual, or balance transfer fees
• $1,000,000 Travel Accident Insurance2
• 24/7 account access
• $0 fraud liability
1Apple, iPhone, and iSight are registered trademarks of Apple Inc. Apple Pay, Apple Watch, and Touch ID are trademarks of Apple Inc. Message and data rates may apply. Android and Android Pay are trademarks of Google Inc. The Android Robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
Available on Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S6 active, Galaxy Note5 and other select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list and contact your bank or financial institution to verify supported cards.
Samsung®, Samsung Pay®, Samsung Galaxy S6®, Samsung Galaxy S6 edge®, Samsung Galaxy S6 edge+®, and Samsung Galaxy Note® 5 are registered trademarks of Samsung Electronics Co., Ltd.
2 Full disclosure will accompany card.
Free Access to Your FICO Score
To help you achieve your financial goals, you can now view your FICO® Score in ComputerLine and on the MSUFCU Mobile app. This FICO® Score is based on data from Experian on a quarterly basis and will not impact your credit score. We offer free access to your FICO® Score so you can stay on top of your credit and avoid any surprises.
Because FICO® Scores are based on the information in your credit reports, it is very important to make sure that the credit report information is accurate. You should review your credit report from each consumer reporting agency (CRA) at least once a year and before making any large purchases, such as a home or car.
You have the right to obtain one free credit report each year from each of the consumer reporting agencies through www.AnnualCreditReport.com. Please note that your free credit report will not include your FICO® Score.
What are FICO® Scores?
The credit scores most widely used in lending decisions are FICO® Scores, the credit scores created by Fair Isaac Corporation (FICO). Lenders can request FICO® Scores from all three major credit reporting agencies. Lenders use FICO® Scores to help them make billions of credit decisions every year. FICO develops FICO® Scores based solely on information in consumer credit files maintained at the credit reporting agencies. Understanding your FICO® Score can help you better understand your credit risk and allow you to effectively manage your financial health. A good FICO® Score means better financial options for you.
What is a good FICO® Score?
The score above which a lender would accept a new application for credit, but below which the credit application would be denied, is known as the “score cutoff.” Since the score cutoff varies by lender, it’s hard to say what a good FICO® Score is outside the context of a particular lending decision. For example, one auto lender may offer lower interest rates to people with FICO® Scores above, say, 680; another lender may use 720, and so on. Your lender may be able to give you guidance on their criteria for a given credit product.
What are Key Score Factors?
When a lender receives your FICO® Score, “key score factors” are also delivered, which are the top factors that affect the score. Addressing some or all of these key score factors can help you more responsibly manage your financial health over time. Having good FICO® Scores can put you in a better position to qualify for credit or better terms in the future.
Visit our FAQs for more information.
Additional Credit Resources:
Obtain one free credit report from each of the three major credit reporting agencies per year.
FICO® SCORE TERMS: Your FICO® Score and key factors are based on data from Experian and may be different from other credit scores. This information is intended for and only provided to members who have an active lending relationship with the Credit Union. Scores are provided within ComputerLine and the MSUFCU Mobile app with key factors for eligible individuals. You will see up to a year of scores starting when you start your lending relationship with us. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
MSUFCU and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. MSUFCU and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.
1 Information provided may not reflect the view of MSUFCU.
Protecting our members from fraud is a top priority for MSUFCU, your credit card provider. To give you additional card security, we use the Visa Fraud Alert Management detection system which continuously monitors your Visa Credit Card activity to help identify and prevent fraudulent transactions on your account.
If suspicious charges or transactions outside of your normal spending pattern appear on your card, you may receive an automated phone call from Fraud Alert Management on behalf of MSUFCU to verify the charges. You will be asked to verify the charges.
To verify your identity, you may be asked to provide personal information such as address, birth date and confirmation of the last four digits of your social security number. You will never be asked to provide your full social security number, Visa Card number, account number, or PIN.
If Fraud Alert Management is unable to reach you directly, they will leave a message identifying themselves as Visa Fraud Alert Management calling to verify transactions made with your Visa Credit Card.
If we are unable to contact you regarding the suspicious charges on your Visa Credit Card, your card may be temporarily blocked to prevent any fraudulent activity. The block will be removed once we are able to confirm with you that the charges are legitimate.
Free Gift with New MEA Visa
FREE POWER BANK
Receive a free power bank when you open your MEA Visa!1
1 MEA power bank is for new MEA Visa Credit Cards only. Please allow six (6) to eight (8) weeks for delivery. While supplies last, first-come, first-served.