MICU Platinum Visa

For People with
Fair Credit



The MICU Platinum Visa is a low-rate card available through the Mid-Illini Credit Union.

Every purchase will earn 1X ScoreCard Rewards point per dollar, and those points can be redeemed for a variety of merchandise.

There are also some useful benefits, like a Visa Concierge Service, Travel Accident Insurance, and an Auto Rental Collision Damage Waiver.

Cardholders will get a fixed APR of 8.99% or 9.99% for purchases, balance transfers, and cash advances. That’s an exceptionally low rate compared to most credit cards.

This card has no annual fee, no balance transfer fees, and no cash advance fees.

Mid-Illini Credit Union membership is open to anyone who:

  • Lives in Mclean County, Illinois
  • Has a family member who is already a member
  • Attended school in certain school districts
  • Has or will make a donation to Dollars for Scholars

Applicants must visit a physical Mid-Illini Credit Union location to complete the application process.

Card Quick Facts

Card Quick Facts

  • 1X ScoreCard Rewards point per dollar
  • Low APR of 8.99% or 9.99% for purchases, balance transfers, and cash advances
  • Travel Accident Insurance
  • Auto Rental Collision Damage Waiver
  • No balance transfer fee
  • No cash advance fee
  • No annual fee

For People with
Fair Credit



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Card Details



  • 1X ScoreCard Rewards point per dollar spent
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 8.99% or 9.99%
Intro Purchase APR -
Foreign Transaction Fee 1%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee Up to $25
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 8.99% or 9.99%
Balance Transfer Fee None
Cash Advances

Cash Advances

Cash Advance APR 8.99% or 9.99%
Cash Advance Fee None

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Visa Concierge Service

    Call for non-emergency assistance whenever you need it, like help making travel or dining reservations.

  • Zero Liability Protection

    You won’t be held responsible for unauthorized activity. Contact customer support immediately if you suspect fraud.

  • Credit Life and Disability Protection

    Provides remediation services if you die or become disabled. Must enroll, fees apply.

  • Travel Accident Insurance

    Up to $150,000 in coverage against accidental death and dismemberment, when traveling by common carrier.

  • Auto Rental Collision Damage Waiver

    Decline the rental company’s own insurance to get coverage against theft and damage of eligible rental vehicles.

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