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Visa Platinum Credit Card

Mirastar Federal Credit Union

NationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
14.99%
Annual fee
None
0% intro
None
0% transfer
1.99%
Foreign fee
2%
Grace period
None

Contract X-Ray — what's buried in the fine print

0 red flags · 1 filed doc

Detected in the CFPB-filed cardholder agreements from Mirastar Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

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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