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.
Balance Transfer Offers: Want to consolidate your high-rate credit card debt? You can transfer those balances to your MECU credit card and save money on your monthly payment. Best of all, unlike most credit card issuers, MECU does NOT charge a fee for balance transfers. Click on the links below to learn about our latest special offers:
- 3.99% APR Balance Transfer Offer for New Cardholders
- Limited-time 3.99% APR Balance Transfer Offer for Current Cardholders
Bonus Points Offer: Everyday expenses add up fast — and so can your reward points! From April 1 through August 31, 2025, you can earn double points on gas and groceries when you pay with the MECU World Rewards Mastercard.* That's 3 points (instead of the usual 1.5) per dollar spent at gas stations, electric vehicle charging stations, grocery stores and supermarkets. Points can be redeemed for travel, merchandise and even cash back to your MECU account.
* You will earn 3 points for each $1 spent in the grocery stores and gas stations categories from 04/01/2025 to 08/31/2025. Extra points earned for this promotion will be listed as "Bonus Points Earned" on your credit card statement under CURewards Points Activity. Grocery/Supermarket specific stores are eligible; however, some big box stores may not qualify for promotion. This offer only applies to accounts in good standing.
Current Cardholders: Want to learn more about the benefits of your Michigan Educational Credit Union Credit Card? Click the co-branded Mastercard image below!
All of our credit cards offer:
No Annual Fee
25-Day Grace Period
Worldwide Cash Advance Access
Balance Transfer Option
Chip Technology
Michigan Educational Credit Union is now introducing a new Buy Now, Pay Later program that will give cardholders the power to divide large, qualifying purchases over monthly installments at a lower fixed interest rate. In order to participate, you must be enrolled in Digital Banking. The offers will be promoted within the Digital Banking platform in the Card Services tab of your credit card.
Our World Rewards Mastercard features include:
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™, 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.
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.
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.
Enjoy more of the cities you love with unique access and special experiences.
Provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of identity theft.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.**
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.
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| INTEREST RATES AND OTHER CHARGES |
World Rewards Mastercard |
| Annual Percentage Rate (APR) for Purchases |
17.49% - 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 | 17.49% - 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 | 17.49% - 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. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Minimum Interest Charge | None. |
| Foreign Transaction Fee | 1% of the converted U.S. dollar amount. |
| Finance Charge (interest): | Your APR of 17.49% - 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:
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™, 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.
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.
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.
Enjoy more of the cities you love with unique access and special experiences.
Provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of identity theft.
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.
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.
|
|
|
| INTEREST RATES AND OTHER CHARGES |
Platinum Mastercard |
| Annual Percentage Rate (APR) for Purchases |
15.49% - 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 | 15.49% - 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 | 15.49% - 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. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Minimum Interest Charge | None. |
| Foreign Transaction Fee | 1% of the converted U.S. dollar amount. |
| Finance Charge (interest): | Your APR of 15.49% - 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 |
| Name | APR* |
|---|---|
| World Rewards Mastercard | 17.49% - 21.00% |
| Platinum Mastercard | 15.49% - 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. *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!