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Important Information About This Offer

Mastercard® Preferred Platinum Credit Cards Terms and Conditions
Annual Percentage Rate (APR) for Purchases Preferred Platinum: 0% Introductory APR on purchases posted within the first 90 days of account opening, ending the first billing cycle after the account is open 18 months.

After that, your APR will be: 9.90% to 16.90%, based on your creditworthiness.

 

Preferred Platinum Rewards: 0% Introductory APR on purchases posted within the first 90 days of account opening, ending the first billing cycle after the account is open 15 months.

After that, your APR will be: 10.90% to 17.90%, based on your creditworthiness.

APR for Balance Transfers Preferred Platinum: 0% Introductory APR on balance transfers posted within the first 90 days of account opening, ending the first billing cycle after the account is open 18 months.

After that, your APR will be: 11.90% to 17.90%, based on your creditworthiness.

 

Preferred Platinum Rewards: 0% Introductory APR on balance transfers posted within the first 90 days of account opening, ending the first billing cycle after the account is open 15 months.

After that, your APR will be: 12.90% to 17.90%, based on your creditworthiness.

APR for Cash Advances and Convenience Checks Preferred Platinum: 11.90% to 17.90%, based on your creditworthiness.

 

Preferred Platinum Rewards: 12.90% to 17.90%, based on your creditworthiness.

Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on balance transfers, convenience checks and cash advances on the date the transaction posts to your account.
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 Consumer Financial Protection Bureau.
Fees
Annual Fee None
Transaction Fees

  • Cash Advance, Balance Transfer & Convenience Check
 

  • 2% of the amount of each item ($2.00 minimum)
  • Foreign Transaction
  • 1% of each transaction in U.S. dollars
Penalty Fees

  • Late Payment
 

  • Up to $25 for the first late payment in any 6-month period
  • Up to $35 for each additional late payment in the same 6-month period
  • Returned Payment
  • Up to $22

Agreements and Disclosures: You agree to be bound by the following terms and conditions in addition to the applicable terms and conditions disclosed in your Mastercard Credit Card Cardholder Agreement, which will be sent to you. The use of any account opened in connection with this offer will constitute acceptance of and will be subject to the Account Agreements and Disclosures and the Mastercard Credit Card Cardholder Agreement. Restrictions may apply.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your agreement.

Preapproval Offer: The preapproval portion of this offer is good through 12/31/22 and is non-transferable. Offer good for primary member only. By responding to this offer, you understand that we may verify income, employment, and credit bureau information. If, at the time of application, you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open a Credit Card account for you, or you may receive a Credit Card with different rates, terms and conditions.

Balance Transfers: Balance transfers to pay any Mission Fed accounts are not permitted and the total cannot exceed $20,000. In order for your balance transfer to qualify for the 0% 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. Electronic balance transfers do not qualify. Please continue to make all required payments until you confirm that the balance transfers were processed. Mission Fed is not responsible for fees and finance charges incurred by you prior to your balance being transferred to Mission Fed. Payment of the amount(s) authorized by you may or may not satisfy any outstanding balance(s) on designated account(s). You will continue to be responsible for any balances on your credit cards. In the event that your request(s) exceed(s) the amount of your credit line, Mission Fed may decline to process one or more requests.

$200 Bonus: The $200 bonus will be awarded one-time for the first $1,000 in net purchases that post within the first 90 days of opening a Mission Fed Preferred Platinum Mastercard account and will be credited approximately 120 days after account opening. Restrictions may apply.

Mission Rewards: The 20,000 Bonus Mission Rewards points will be awarded one time for the first $1,000 in net purchases that post within the first 90 days of opening a Mission Fed Preferred Platinum Rewards Mastercard account and will be credited approximately 120 days after account opening. Restrictions may apply.

PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria including providing acceptable property as collateral. If you do not want to receive prescreened offers of credit from this and other companies, call the Credit Bureau Opt-Out Program toll-free at 888-5-OPT-OUT (888.567.8688); or write to: Experian Consumer Marketing Opt-Out, P.O. Box 919, Allen, TX 75013