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Platinum Rewards Credit Card

Mission Federal Credit Union

One State/TerritoryFixed rateCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
13.99–17.99%
Annual fee
None
0% intro
12 mo
0% transfer
12 mo
Foreign fee
2%
Grace period
21 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
17.99%
620–719
15.99%
720+
13.99%
Lowest offered13.99%
Median15.99%
Highest offered17.99%

Introductory purchase APR

Promotional window: 12 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 12 months · grace period retained on purchases

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

No score
—
≤619
17.99%
620–719
17.49%
720+
17.49%
Lowest offered17.49%
Median—
Highest offered17.99%

Every fee on this card

Annual feeNone
Balance transfer fee3% (min $3)
Cash advance fee3% (min $3)
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$35
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Debt cancellation coverage
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Gift Card & Merchandise

Who can get this card

AvailabilityOne State/Territory
StatesCA
Membership requirementsYes
RequirementOther. Please Describe:
Phone800-500-6328
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$450

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 15.99% afterwards.

Cost to carry a balance
Interest for a year at 15.99%$479.70
Annual / periodic fees$0
Total yearly cost$479.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.

Cardholder agreements

4 documents filed by Mission Federal Credit Union in the 2026 Q1 archive.

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