Low Interest Credit Card | Mastercard® | Mission Fed Credit Union

Preferred Platinum Mastercard

Low Rate, Big Benefits

Image of a sample preferred platinum credit card

Mission Fed’s Preferred Platinum Mastercard® has a low rate to help you strengthen your credit and achieve your financial goals.

Apply today and take advantage of this limited-time offer

$150 bonus with $1,500 in net purchases in the first 90 days¹
1.99% intro rate for 12 months²
No annual fee

Check the status of an existing application

Three Credit Card options, zero annual fees.

Apply Now

Product	APRs (based on credit worthiness)
Premier World Mastercard^® See All Rates	1.99% Introductory Rate for 12 months (on balance transfers only in first 90 days) After that, the standard balance transfer APR will be: 14.99% - 17.99% --- Standard purchase APR is 14.99% - 17.99%.
Preferred Platinum Mastercard^® See All Rates	1.99% Introductory Rate for 12 months (on purchases and balance transfers in the first 90 days) --- After that, the Standard APR will be: 11.99% - 17.99% for purchases 11.99% - 17.99% for balance transfers
Preferred Platinum Rewards Mastercard^® See All Rates	1.99% Introductory Rate for 12 months (on purchases and balance transfers in the first 90 days) --- After that, the Standard APR will be: 12.99% - 17.99% for purchases 12.99% - 17.99% for balance transfers

Must meet membership and account criteria. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. All loans subject to credit approval. Programs, rate, terms and conditions subject to change without notice. Maximum credit card loan per member is $50,000. Maximum total unsecured loan limit per member is $100,000. Introductory offer is available for new Credit Cards. Balance transfers to pay any Mission Fed accounts are not permitted. For balance transfers to qualify for the 1.99% introductory APR, the balance transfer must be conducted by using a Cashier’s Check issued by a Mission Fed Branch or the Contact Center to a third-party creditor. Electronic balance transfers do not qualify. Maximum $20,000 in balance transfers per member. Restrictions apply.

Preferred Platinum Mastercard and Preferred Platinum Rewards Mastercard: Introductory APR will apply on purchases and balance transfers posted within the first 90 days of account opening, ending on the closing date of the first billing cycle after the account is open for is for 12 months. The balance transfer and cash advance fee is 3% of the amount of each item ($3 minimum). The foreign transaction fee is 2% of the amount of each transaction in U.S. Dollars.

Premier World Mastercard: Introductory APR will apply on balance transfers posted within the first 90 days of account opening, ending on the closing date of the first billing cycle after the account is open for is for 12 months The balance transfer and cash advance fee is 3% of the amount of each item ($3 minimum). There is no foreign transaction fee.

Platinum Credit Card Rates & Disclosures Premier World Credit Card Rates & Disclosures Consumer Fee Schedule

Benefits of All Mission Fed Mastercard Credit Cards

Get more with a Mission Fed Mastercard. In addition to no annual rate and low fees, enjoy:

Convenient Access, Local assistance – Check your purchases, balance and pay your bill online with Mobile or Online Banking. You’re always welcome to talk to a Mission Fed representative for personalized assistance — we’re right here in San Diego.
Contactless Enabled – Tap-to-pay for a fast, no-touch and secure checkout.
Mastercard ID Theft Protection™ – Mastercard’s enhanced ID Theft Protection includes one-bureau credit monitoring, high-risk transaction monitoring and alerts, and restoration services. Certain terms may apply. Sign up today.
Chip-enhanced Cards – also known as EMV cards, have an embedded microchip to hold information that is encrypted, making it extremely difficult for the card to be copied or counterfeited.
- Use your Mission Fed Mastercard® at millions of locations worldwide, everywhere Mastercard is accepted. Your chip card allows you to pay not only at national merchants, but also at international merchants where chip/EMV cards are often the standard. You can also use it with older card readers, because it still has a magnetic stripe.
- Chip/EMV cards are already accepted in over 80 countries. If you’re traveling internationally, some merchants may require a PIN to complete a transaction. To obtain a PIN, please call us at 888.891.2435.

Additional Card Benefits

Zero Liability – only pay for purchases you have authorized on your card. Conditions and exceptions apply. See mastercard.us/en-us/personal/get-support/zero-liability-terms-conditions.html for details.
Priceless™ Cities & Experiences – Exclusive offers just for Mastercard cardholders. Learn more at priceless.com.
Automatic Billing Updater – Mastercard automatically updates your credit card information when you have card-on-file or recurring payments set up with participating merchants. For more information, visit General Banking FAQs.

Disclosures

Must meet membership and account criteria. All loans subject to credit approval; terms and conditions apply. Offer is available for new Credit Cards. APRs are current as of September 1, 2024. The balance transfer and cash advance fee is 3% of the amount of each item ($3 minimum). The foreign transaction fee is 2% of the amount of each transaction in U.S. Dollars. Late payment fee up to $25 for the first late payment in any 6 month period then up to $35 for each additional late payment with in the same 6 month period. Returned payment fee up to $22. Maximum Personal Loan or Line of Credit Loan is $50,000. Maximum total unsecured loan limit per member is $100,000. Programs are subject to change without notice. Mastercard, Mastercard Local, Mastercard program names and the Mastercard Brand Mark are registered trademarks of Mastercard International, Inc.

¹For $150 bonus, must apply by 12/31/24 and must have $1,500 in net purchases within the first 90 days; Qualifying transactions exclude in-branch cash advances, traveler’s check purchases, balance transfers, overdraft protection advances, convenience checks, fees, and ATM transactions. Bonus will be credited approximately 120 days after account opening.

²Standard APRs apply for cash advances 16.99% – 17.99%. For balance transfers to qualify for the 1.99% introductory APR promotion, you must conduct the balance transfer by using a Cashier’s Check issued by a Mission Fed Branch or the Contact Center to a third-party creditor. Electronic balance transfers do not qualify. Balance transfers to pay any Mission Fed accounts are not permitted. Introductory APR will apply on purchases and balance transfers posted within the first 90 days of account opening, ending on the closing date of the first billing cycle after the account is open for 12 months. Maximum $20,000 in balance transfers per member.

Preferred Platinum Mastercard^®