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MICU Platinum Visa

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Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 8.99% or 9.99%

MICU Platinum Visa

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 1X ScoreCard Rewards point per dollar spent

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 8.99% or 9.99%
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card


Penalty APR See Terms
Late Fee Up to $25
Returned Payment Fee Up to $25
Additional Cards Annual Fee N/A
Foreign Transaction Fee 1%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 8.99% or 9.99%
Cash Advance Fee None
How to Get a Cash Advance with a Credit Card
MICU Platinum Visa


  • 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

Mid-Illini Credit Union

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


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.

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