MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSU Federal Credit Union | Personal | Credit Cards

Financial Freedom with MSUFCU Visa Cards

Low interest rates, unparalleled member service, and clear, straightforward terms are just a few of the advantages of MSUFCU's Visa Credit Cards.

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Platinum Plus Visa Card Options
MyDesign Card Options

MSUFCU's Platinum Plus Visa Card is the perfect choice if you do not normally carry a credit card balance. Use this credit card to earn 1.00% back on purchases and enjoy a rate as low as 12.9% APR!

  • Credit limits from $2,500 to $50,000
  • 25-day grace period on purchases paid in full
  • No annual or balance transfer fees
  • $1,000,000 Travel Accident Insurance when you use your Visa Credit Card to make travel arrangements
  • Remote access through ComputerLine, the MSUFCU Mobile app, MoneyLine, and Green on the Go® mobile banking
  • Overdraft protection for your checking account 
  • Worldwide access to funds at participating institutions

Apply for Your MSUFCU Visa Credit Card!

 

 

More about Platinum Plus Rewards


How to Earn Points
Every time you use your Platinum Plus Visa at the gas station, grocery store — anywhere Visa is accepted, you’re earning points. For every $1.00 you spend with your Platinum Plus Visa, you’ll earn one (1) point.1 Save your points and redeem them at your convenience.

 

Ways to Redeem Your Points
You may redeem your points for cash,2 airline tickets, hotel reservations, gift cards to major retailers, downloadable music, and more! You may also redeem your points to donate funds to a list of university and local charitable organizations.

 

Earn More When You Shop Local
Receive a minimum of 5% back on purchases made with your Platinum Plus Visa at participating local businesses.
3 You’ll continue to receive 1% back on all other purchases made with your Platinum Plus Visa.
See a list of participating Shop Main Street businesses in your Platinum Plus Visa Rewards account within ComputerLine.

 

Managing Your Points Is Easy
Simply login to your account via ComputerLine to access your Platinum Plus Visa rewards. After logging in, view your point balance and redeem points. It’s that easy!

 

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

12.9% to 17.9%
based on your credit worthiness

APRs for Balance Transfers

0% introductory APR for six (6) months from date of account opening. Rate then reverts to standard rate (12.9% to 17.9%), based on your creditworthiness. 

APRs for Cash Advances 

12.9% to 17.9%
based on your creditworthiness

Penalty APR and When It Applies 

17.9%

The Penalty APR is applied if your account becomes delinquent 60 days. 

How Long Will the Penalty Rate Apply? The Penalty Annual Percentage Rate will apply indefinitely.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.

 

Fees 

Transaction Fees

  • International transaction and cash advance fees

1% for ATM transactions
3% for all other transactions calculated after the transaction has been converted to U.S. dollars

Penalty Fees

  • Late Payment

$25 if the minimum payment due is $25 or more;

$15 if the minimum payment due is $15 to $24.99; or

$0 if the minimum payment due is less than $15.

Other Fees 

  • Returned Convenience Check

$25 

 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

 

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account becomes delinquent 60 days.

 

1Members will earn one (1) point for every $1 of net purchases. Points are not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem points. Returns result in the loss of points equal to amount returned. Negative points will be given if returns or credits exceed purchases.

 

2If the funds are being deposited into the members' account, it must be to a savings, checking, or loan account under the same base account number. The minimum amount of cash that can be redeemed is $25 and may only be redeemed in increments of $25.

 

3All participating Shop Main Street businesses are required to provide a minimum of 5% back to all MSUFCU Platinum Plus Visa Credit Card holders who use his/her Platinum Plus Visa for purchases at those locations. Actual incentives will be determined by the business and will be posted on the Shop Main Street website. View Shop Main Street offers by logging into your ComputerLine account and clicking the "Your Platinum Plus Visa Rewards" box on the right. In order to receive the Shop Main Street bonus points, members must use his/her Platinum Plus Visa Credit Card at the time of purchase. Points are not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem points. Returns result in the loss of points equal to the amount returned. Negative points will be given if returns or credits exceed purchases.



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MSUFCU is proud to support a number of universities and organizations throughout Michigan. Learn more about how you can show your support for Michigan State University, Michigan United Conservation Clubs, or Michigan Veterinary Medical Association while using a low-rate MSUFCU Visa Credit Card:

 

Michigan State University
Spartan Credit Card

www.spartancreditcard.org
Michigan State University Affinity Credit Cards

Michigan United Conservation Clubs
Affinity Credit Card

www.muccvisacard.org

 Michigan United Conservation Clubs Affinity Credit Card
Michigan Veterinary Medical Association Credit Card
www.mvmacreditcard.org