VISA Credit Cards

Our Platinum VISA card may give you the best of both worlds - low rates and rewards!

Variable rates start as low as 9.99% APR* for the Platinum Low Rate VISA and as low as 11.99% APR* for the Platinum Rewards VISA.

As a MAHPFCU Platinum VISA cardholder you'll enjoy:

Credit Lines up to $15,000
25 Day Grace Period (purchase only)
No Annual Fees
No Balance Transfer Fees
Travel Agent Service
Auto Rental Insurance
Concierge Service
Emergency Monetary Services
24/7 Preferred Customer Service

Begin the application process by reviewing the rates and disclsoures below. Feel free to call the loan department at (925) 524-LOAN (5626) for more information.

Online Application + Disclosures

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	Visa Platinum 9.99% - 17.99% when you open your account, based on your creditworthiness. Visa Platinum with Rewards 11.99% - 15.99% when you open your account, based on your creditworthiness.
APR for Balance Transfers	Visa Platinum 9.99% - 17.99% when you open your account, based on your creditworthiness. Visa Platinum with Rewards 11.99% - 15.99% when you open your account, based on your creditworthiness.
APR for Cash Advances	Visa Platinum 9.99% - 17.99% when you open your account, based on your creditworthiness. Visa Platinum with Rewards 11.99% - 15.99% when you open your account, based on your creditworthiness.
Penalty APR and When it Applies	Visa Platinum 17.99% Visa Platinum with Rewards 17.99% This APR may be applied to your account if you: - Make a late payment How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We do not charge you 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 http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees - Foreign Transaction Fee	1.00% of each transaction in U.S. dollars
Penalty Fees - Late Payment Fee - Returned Payment Fee	Up to $20.00 Up to $28.00

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

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Effective Date. The information about the costs of the card described in this application is accurate as of September 10, 2021. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee	$20.00 of amount or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.
Returned Payment Fee	$28.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee	$15.00
Pay-by-Phone Fee	$10.00
PIN Replacement Fee	$5.00
Statement Copy Fee	$5.00

Have questions? Call the loan department at (925) 524-LOAN (5626) for more information! Ready to apply? Use the links below!

Apply for a Loan Loan Rates

Download the Visa Disclosure. *APR=Annual Percentage Rate.

Be sure to explore our card benefits in more detail below!

Platinum VISA with Rewards

If you are looking for a Rewards Visa card, apply for our low fixed rate Platinum VISA Card with lines of credit up to $15,000.

Feature	Benefit
Free Balance Transfers	Transfer the balance from those high interest rate cards at no charge.
Purchase Reward Points	Not just mileage points, but can be used on a wide variety of merchandise.
Travel Agent Service	Travel planning assistance.
Auto Rental Insurance	Use your Platinum Card to rent your next auto and skip adding their expensive rental insurance to your vehicle.
Traveler Assistance	Pre-trip assistance, emergency ticket replacement, lost luggage assistance, worldwide toll-free assistance service.
Concierge Service	Global Dining Referral & Reservations, Limousine Reservations, Personalized Services, preferred event seating.
Emergency Monetary Services	Travelers Cheque refund service, emergency card and cash replacement.
Preferred Customer Service	Preferential customer service 24 hours a day, 7 days a week, 365 a year for everything from general account information to fee inquiries.
Annual Fee	None!

Low Rate Platinum Visa

If you are looking for a low rate, our Platinum VISA Card comes with a great rate and no cash advance or balance transfer fees.

Feature	Benefit
Free Balance Transfers	Transfer the balance from those high interest rate cards at no charge.
Travel Agent Service	Travel planning assistance.
Auto Rental Insurance	Use your Platinum Card to rent your next auto and skip adding their expensive rental insurance to your vehicle.
Traveler Assistance	Pre-trip assistance, emergency ticket replacement, lost luggage assistance, worldwide toll-free assistance service.
Concierge Service	Global Dining Referral & Reservations, Limousine Reservations, Personalized Services, preferred event seating.
Emergency Monetary Services	Travelers Cheque refund service, emergency card and cash replacement.
Preferred Customer Service	Preferential customer service 24 hours a day, 7 days a week, 365 a year for everything from general account information to fee inquiries.
Annual Fee	None!

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