Purchase APR
12.99–23.24%
Annual fee
None
Foreign fee
2%
0% transfers · 12 mo
≤619620–719
Carrying $3k for a year ≈ $449.70
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51
Visa Platinum Credit Card
NationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
14.99%
Annual fee
None
0% intro
None
0% transfer
1.99%
Foreign fee
2%
Grace period
None
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered14.99%
Median14.99%
Highest offered14.99%
Balance transfer APR
Promotional window: 12 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered1.99%
Median1.99%
Highest offered1.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered14.99%
Median14.99%
Highest offered14.99%
Every fee on this card
Annual feeNone
Balance transfer fee3%
Cash advance fee3%
Foreign transaction fee2%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$20
Returned Convenience Check Fee$25
Card Replacement Fee$6
Document Copy Fee$15
Late fee policy: Fee is either $25 or the amount of the minimum payment. Whichever amount is less.
Rewards, benefits and features
Rewards
- Travel-related rewards
Services
- Automobile rental insurance
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-282-6212
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 1.99%$49.75
You save$400.25
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 14.99% afterwards.
Cost to carry a balance
Interest for a year at 14.99%$449.70
Annual / periodic fees$0
Total yearly cost$449.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Mirastar Federal Credit Union in the 2026 Q1 archive.
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