Carry A Credit Card You Can Trust

At Michigan Educational Credit Union, we have always offered consumer-friendly credit cards with beneficial features. Accepted worldwide, our World Rewards Mastercard® and Platinum Mastercard® are ideal for travel, shopping, paying at the gas pump, making reservations or purchases over the phone, buying merchandise online, and financing unexpected expenses. To make the most of your card, transfer your higher interest rate credit card balances to your MECU credit card. Click here to learn about the special balance transfer offer for new cardholders.

Current Cardholders: Want to learn more about the benefits of your Michigan Educational Credit Union Credit Card? Click the co-branded Mastercard image below! 

 

MECU Rewards Card

 

All of our credit cards offer:

 

No Annual Fee

25-Day Grace Period

Worldwide Cash Advance Access

December & July "Skip Payment" Option (ask staff for details)

Balance Transfer Option

Chip Technology

 

Apply Online

 

Our World Rewards Mastercard features include:

MECU Rewards Card

 

Contactless Technology

A more secure way of transacting that also allows for Mastercard cardholders to breeze through checkout at millions of places. Look for the contactless symbol anywhere you shop!

Mastercard Airport Concierge™

Mastercard Airport Concierge™, provided by Global Airport Concierge, helps relieve some of the stress associated with air travel. As a Mastercard cardholder, you can arrange for a personal, dedicated Meet & Greet agent to escort you through the airport on departure, arrival or any connecting flights.


Available 24 hours a day, 7 days a week, 365 days a year at over 700 destinations worldwide.

Services Available:

  • 15% savings on Airport Meet and Greet - Mastercard cardholder(s) are escorted by a dedicated Meet & Greet agent through the airport with all aspects of the arrival or departure process.
  • Connecting Flight Services - Mastercard cardholder(s) are assisted with all aspects of the transit service - from the moment you land from one flight until the time you are airborne on the next.

Learn More

Mastercard Global Service™

Rest easy with 24-hour-a-day, 7-day-a-week assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs.

McAfee

3-day free trial and 1-year subscription to McAfee Total Protection for 5 devices at $29.50 for the first year. 1-year complimentary subscription to Tech Mate is also included.

Priceless Cities Offers & Experiences

Enjoy more of the cities you love with unique access and special experiences.

Mastercard ID Theft Protection™

Provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of identity theft.

Learn More

MasterRental Coverage

Love to travel? Get coverage on your rental vehicles when you pay with your Mastercard! This service is available worldwide. Click below for more information and details on coverage.

GUIDE TO BENEFITS

Mastercard Travel & Lifestyle Services

Wherever your destination, your World Mastercard provides top savings and benefits in air, hotel, car rental, cruise, and more. Enjoy enhanced value and peace of mind with our Lowest Hotel Rate Guarantee and Hotel Stay Guarantee when you book a qualifying hotel stay through Mastercard Travel & Lifestyle Services.

REGISTER YOUR CARD

Mastercard Golf

Enjoy discounted access to golf courses, complimentary grounds passes for PGA Tournaments, and access to domestic and international golf travel packages. Click on the "My Additional Benefits" button below for more information.

Lyft, Peacock, Instacart & More Exclusive Benefits

MC and lyft

Effective April 1, 2021, World Mastercard cardholders are eligible to receive a $5 credit from Lyft, when they complete 3 rides in one calendar month and pay using their eligible World Mastercard. Benefit available until September 30, 2025.

 

Peacock

World Mastercard cardholders new to Peacock Premium will receive a $3 statement credit on the Peacock Premium monthly streaming subscription. Benefit available until March 31, 2025.



Instacart

World Mastercard cardholders who are new to Instacart’s premium delivery service, Instacart+, will receive a 2 month free trial and $10 off their second order each month. Benefit available until March 31, 2025.

 

MC and Shoprunner

World Mastercard cardholders are eligible for a complimentary ShopRunner membership that enables free 2-day shipping, and free returns and exclusive offers on thousands of brands. Benefit available until September 30, 2025.

 

Booking.com

World Mastercard cardholders can receive up to 7% off prepaid stays across 28 million accomodation options on Booking.com. Bookings must be prepaid and made through booking.com/mastercardUS. Benefit available until September 30, 2025.

 

Movie Pass

Mastercard cardholders can receive 50% off their first two months of a new Standard or Premium MoviePass plan when they use their Mastercard to subscribe at moviepass.com/mastercard. Benefit available until September 30, 2025.

 

Resort Pass

World Mastercard cardholders will receive a $20 statement credit upon making a ResortPass booking. Benefit available until September 30, 2025.

 

 

**Mastercard consistently adds new benefits. Please check back here to find your latest exclusive benefits you receive through your MECU World Rewards Mastercard.**

 

 

CURewards
Log into your credit card rewards portal through Home Banking or click on the CURewards logo above! 

Through the CURewards program, you'll earn 1.5 points for each dollar you spend with our World Rewards Mastercard. You can redeem your points for merchandise, travel and gift cards. You can even convert your rewards points to cash, with the option of posting the cash to your MECU account or applying it to your credit card balance.

Want to learn more about our rewards? Head over to the CURewards landing page.

MY ADDITIONAL BENEFITS

MECU WORLD REWARDS MASTERCARD CREDIT DISCLOSURES
INTEREST RATES AND
OTHER CHARGES
World Rewards Mastercard
Annual Percentage Rate
(APR) for Purchases
17.74% - 21.00%, when you open your account, based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate.
APR for Balance Transfers 17.74% - 21.00%, when you open your account, based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate.
APR for Cash Advances 17.74% - 21.00%, when you open your account, based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate.
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.
Minimum Interest Charge None.
Foreign Transaction Fee 1% of the converted U.S. dollar amount.
Finance Charge (interest): Your APR of 17.74% - 21.00% (your Margin of 9.99% -19.99% added to the Index) for purchases, balance transfers and cash advances corresponds to monthly periodic rate of 1.478% - 1.750%.
For Credit Card Tips from
the Federal Reserve Board
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

 

 

Our Platinum Mastercard features include:

MECU Platinum Card

Contactless Technology

A more secure way of transacting that also allows for Mastercard cardholders to breeze through checkout at millions of places. Look for the contactless symbol anywhere you shop!

Mastercard Airport Concierge™

Mastercard Airport Concierge™, provided by Global Airport Concierge, helps relieve some of the stress associated with air travel. As a Mastercard cardholder, you can arrange for a personal, dedicated Meet & Greet agent to escort you through the airport on departure, arrival or any connecting flights.


Available 24 hours a day, 7 days a week, 365 days a year at over 700 destinations worldwide.

Services Available:

  • 15% savings on Airport Meet and Greet - Mastercard cardholder(s) are escorted by a dedicated Meet & Greet agent through the airport with all aspects of the arrival or departure process.
  • Connecting Flight Services - Mastercard cardholder(s) are assisted with all aspects of the transit service - from the moment you land from one flight until the time you are airborne on the next.

Learn More

Mastercard Global Service™

Rest easy with 24-hour-a-day, 7-day-a-week assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs.

McAfee

3-day free trial and 1-year subscription to McAfee Total Protection for 5 devices at $29.50 for the first year. 1-year complimentary subscription to Tech Mate is also included.

Priceless Cities Offers & Experiences

Enjoy more of the cities you love with unique access and special experiences.

Mastercard ID Theft Protection™

Provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of identity theft.

Learn More

MasterRental Coverage

Love to travel? Get coverage on your rental vehicles when you pay with your Mastercard! This service is available worldwide. Click below for more information and details on coverage.

GUIDE TO BENEFITS

Mastercard Golf

Enjoy discounted access to golf courses, complimentary grounds passes for PGA Tournaments, and access to domestic and international golf travel packages. Click on the "My Additional Benefits" button below for more information.

MY ADDITIONAL BENEFITS

MECU PLATINUM MASTERCARD CREDIT DISCLOSURES
INTEREST RATES AND
OTHER CHARGES
Platinum Mastercard
Annual Percentage Rate
(APR) for Purchases
15.74% - 21.00%, when you open your account, based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate.
APR for Balance Transfers 15.74% - 21.00%, when you open your account, based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate.
APR for Cash Advances 15.74% - 21.00%, when you open your account, based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate.
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.
Minimum Interest Charge None.
Foreign Transaction Fee 1% of the converted U.S. dollar amount.
Finance Charge (interest): Your APR of 15.74% - 21.00% (your Margin of 9.99% -19.99% added to the Index) for purchases, balance transfers and cash advances corresponds to monthly periodic rate of 1.478% - 1.750%.
For Credit Card Tips from
the Federal Reserve Board
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

 

Apply Online

Mastercard
Effective Date: 06/01/2024
NameAPR*
World Rewards Mastercard 17.74% - 21.00%
Platinum Mastercard 15.74% - 21.00%

Minimum payment of 3% of the unpaid balance or $25 whichever is greater. Late payments will result in a fee of up to $25. 
Please call the Credit Union for the most current rates. Rates are subject to change at any time without notice.
Foreign Transaction Fee: 1% of the converted U.S. dollar amount.

*Annual Percentage Rate

** Certain restrictions apply. See www.mastercard.us/zero-liability for details.
 

To apply for a credit card or request a credit limit increase, please click here. If you would like to transfer balances to an existing MECU credit card, log into Home Banking, click on the Credit Cards Online link, then select Balance Transfer to submit your request. We'll be happy to assist you!

 

 

 

 

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