Purchase APR
12.49–18%
Annual fee
None
Foreign fee
2%
0% purchases · 6 mo0% transfers · 6 mo
No score≤619Cashback
Carrying $3k for a year ≈ $434.70
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69
Platinum Rewards Mastercard
NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
13.49–18%
Annual fee
None
0% intro
6 mo
0% transfer
6 mo
Foreign fee
2%
Grace period
30 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
18%
≤619
18%
620–719
16.37%
720+
13.99%
Lowest offered13.49%
Median15.49%
Highest offered18%
Introductory purchase APR
Promotional window: 6 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: 6 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
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered17.99%
Median17.99%
Highest offered17.99%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeCharged (amount not reported)
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$36
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance excluding new purchases
Additional fees
Return Payment$36
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
None reported
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Can redeem points for merchandise, or can redeem for credit issued to a charity.
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone800-451-4204
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 0.00%$0
You save$300
Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 15.49% afterwards.
Cost to carry a balance
Interest for a year at 15.49%$464.70
Annual / periodic fees$0
Total yearly cost$464.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
4 documents filed by Sun East Federal Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
15.49%
Annual fee
None
Foreign fee
None
720+Cashback
Carrying $3k for a year ≈ $464.70
Purchase APR
13.24–17.74%
Annual fee
None
Foreign fee
1%
0% purchases · 12 mo0% transfers · 12 mo
620–719720+
Carrying $3k for a year ≈ $464.70
Purchase APR
11.49–19.49%
Annual fee
None
Foreign fee
None
620–719720+Travel-related
Carrying $3k for a year ≈ $464.70