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.
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
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.
Effective April 1, 2021 through September 30, 2023, World Mastercard cardholders who are not existing DashPass members are eligible to receive a free 3-month trial when they sign up and save their eligible Mastercard on file.
Eligible World Mastercard cardholders who are DashPass members will also receive a $5 discount on their first order each month when they pay using their World Mastercard utilized to enroll in DashPass free trial, effective April 11, 2022.
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.
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.
Enjoy discounted access to golf courses, complimentary grounds passes for PGA Tournaments, and access to domestic and international golf travel packages.
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.
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| 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:
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.
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|
|
| 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 |
| Name | APR* |
|---|---|
| Classic Mastercard | 11.90% |
| 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. *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, click here or contact the Loan Department. We'll be happy to assist you!
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