Why Choose a VISA® Platinum Optimum Credit Card
Whether you're looking to get your first credit card to build your credit score, you'd like to improve an existing score, or you're tired of high interest rates and want to lower your monthly payments, the VISA® Platinum Optimum is the way to go.
- Rates as low as 8.99% APR* - the same starting APR from when this card launched in 2012
- No annual fee*
- No application fee
- Overdraft protection option
- No fee balance transfers and cash advances
- Easy access to your VISA® on the mobile wallet
We Also Recommend
VISA® Platinum Cash Rewards
- 1.10% cash back on ALL purchases at ALL merchants
- Earn unlimited cash back every time you use your card - rewards never expire
- Non-variable rates as low as 12.99%* - the same low rate from when this card first launched in 2012!
- No extra steps to get your rewards - your cash back is automatically deposited into your savings every month
- No annual fee*, application fee, balance transfer fee, or cash advance fees
- Easily set up overdraft protection and sync your card to your mobile wallet
Common Questions
Absolutely! If at any point in the future, you'd like to start earning 1.10% cash back on every purchase with our VISA® Platinum Cash Rewards card, we can transfer your balance! Stop by a branch or give us a call, and we'll be happy to switch things out for you!
The Platinum Optimum is a great choice for you! With a competitive annual percentage rate (APR) starting at just 8.99%*, you'll be able to build your credit score - without high interest rates!
In order to repair a low credit score, credit bureaus will need to see a record of on-time payments. In fact, payment history accounts for 35% of your credit score. The Platinum Optimum makes it easy to create a budget with predictable monthly payments.
Did you know: the average credit card interest rate is over 20.0%? When you open a Platinum Optimum with UMCU, we can transfer your credit card balance from another financial institution and potentially lower your interest rate! You can also transfer and combine multiple credit card balances to consolidate your debt for one easy monthly payment!
Disclaimer
*Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.
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