Platinum Visa
Limits from $500-$15,000
No Annual Fee
25 Day Grace Period on purchases
Rates from 8.50%-14.45% A.P.R. *
Extended Warranty - This program extends the manufacturer's original written U.S. Warranty period up to one additional year for warranties of five years or less. For warranties of one year or less, Extended Warranty will double the warranty period. So if your new television comes with a 90-day warranty, you receive 180 days of worry-free warranty protection. You are automatically enrolled whenever you use your eligible card to charge qualifying purchases.
Travel Accident Insurance - You're covered up to $250.000 when you use your Visa Platinum card to purchase your entire passenger ticket for travel by plane, train, bus or ship.
Express Replacement Service - If your Platinum Visa Card should be lost or stolen, replacement can be arranged in 24 hours in the US and one business day worldwide. We can also provide you with some extra cash to tide you over before your replacement card arrives.
Travel and Emergency Services available whenever and wherever you need them by calling one toll-free number for access or more information.
Ticket Replacement Assistance
Message Relay Assistance
Translation Service
Transportation Assistance
Legal Referral Assistance
Lost Luggage Locator
Medical Referral
Personal Travel Agent
Replacement of Corrective Lenses and Medical Devices
Pet Housing and/or Pet Return
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Visa Credit Card Rates and Disclosures
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Annual Percentage Rate on Purchases
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Annual Percentage Rate on Cash Advances
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Monthly Periodic Rate
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Annual Percentage Penalty Rate*
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Grace period for repayment of the balance for purchases
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Method of computing the balance for puchases
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Annual Fee
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Late Payment Fee
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Overlimit Fee
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Visa Business Platinum
10.54%
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10.54% |
.83 |
13.54% |
25 days |
Average Daily Balance (Including new purchases) |
None |
$20.00 |
$20.00 |
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Visa Platinum Preferred 690+ Beacon Score
10.54%
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10.54% |
.83 |
13.54% |
25 days |
Average Daily Balance (Including new purchases) |
None |
$20.00 |
$20.00 |
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Visa Platinum Preferred 650-689 Beacon Score
11.54%
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11.54% |
.91 |
14.54% |
25 days |
Average Daily Balance (Including new purchases) |
None |
$20.00 |
$20.00 |
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Visa Platinum 690+ Beacon Score
8.50%
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8.50% |
.66 |
11.50% |
25 days |
Average Daily Balance (Including new purchases) |
None |
$20.00 |
$20.00 |
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Visa Platinum 650-689 Beacon Score
9.50%
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9.50% |
.74 |
12.50% |
25 days |
Average Daily Balance (Including new purchases) |
None |
$20.00 |
$20.00 |
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Visa Platinum 610-649 Beacon Score
14.45%
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14.45% |
1.15 |
17.45% |
25 days |
Average Daily Balance (Including new purchases) |
None |
$20.00 |
$20.00 |
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Visa Secured Platinum Score 609 and below
15.54%
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15.54% |
1.24 |
None |
25 days |
Average Daily Balance (Including new purchases) |
$25.00 |
$20.00 |
$20.00 |
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* Penalty rate: If at any time your account becomes 30 days or more past due as described in the Minimum Payment Due and Payment Due date section on your monthly statement, the Annual Percentage Rate will be adjusted to the Penalty Rates stated above.
Only the Platinum Preferred accounts come with the Scorecard reward points.
The "Other Charges" affecting each Members Cooperative VISA Credit Card account include: "Rush" card fee - $25.00 each; Statement copies - single statement is free and any additional - $5.00 each; Copies of sales drafts - $5.00; Card Replacement fee - $5.00.
Research Fees - First Hour free - $15.00 per hour after first hour. Based on production cost, fax, postage and materials necessary to process.
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Credit Insurance Cost Disclosures
Credit Card Account credit insurance cost per $100.00 of monthly account balance
Single Credit Disability: 29.1¢
Single Credit Life: 6.1¢
Joint Credit Life: 10.2¢
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