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1st MidAmerica Credit Union Exceeding Member Expectations
1st MidAmerica Credit Union

Visa Platinum Credit Cards

Say Hello to 1.99% APR Visa Balance Transfers!

Say hello to savings when you transfer your high rate credit card balances to a 1st MidAmerica Visa Platinum and get 1.99% APR for 6 months!

There are no annual fees or balance transfer fees. Get started by visiting any branch, calling 618-258-3168 or 800-345-4216, or applynow

Time is limited! Take advantage and say hello to savings by March 31,2018. 

Minimum $500 balance transfer. Payoff of other loans at 1st MidAmerica Credit Union not allowed. Current 1st MidAmerica Visa balance not allowed. Offer valid 2/1/18-3/31/18. Rate will adjust to standard approved rate, as low as 8.9%, six months after transfer.

Switch & Save!

Dump your high credit card rates and save with a Platinum Visa from 1st MidAmerica! Apply online here or by calling (800) 345-4216.

• No annual fees
• No balance transfer fees
• Optional ScoreCard Rewards Program
• Built-in safety features to protect your card from fraud

When you open a new Visa credit card with us, your interest rate is 5.9% APR for balance transfers made within the first 6 months, for the life of the balance.

Paying online just got easier with Visa Checkout

Say hello to a simple, speedy and safe new way to get through online checkout.

  • Pay with a single login from any device
  • Guard your data behind multiple layers of security
  • Keep earning the card rewards you love

Enroll in Visa Checkout with your 1st MidAmerica Platinum Visa today.

And more Platinum benefits...

Important Visa Credit Card Disclosures

View our full Credit Line Account Agreement and Federal Disclosure Statement here.

Interest Rates and Interest Charges

Purchases and Cash Advances; and Balance Transfers that occur after six months of opening the card.

Platinum: 8.9% APR
Platinum Rewards:
.9% APR - 13.90% APR,
based upon credit worthiness

ANNUAL PERCENTAGE RATE (APR) for Balance Transfers made February 1 2018 - March 31, 2018.

1.99% APR
for six months

Balance Transfers made within six months of opening the card.

5.9% APR
for the life of the balance

How to Avoid Paying
Interest on Purchases

Your due date is 25 days after
the close of each billing cycle. We
will not charge any interest on
purchases if you pay your entire
balance by the due date each

For Credit Card Tips from the
Consumer Financial
Protection Bureau

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


Annual Fees


Penalty Fees
- Late Payment
- Returned Payment


Transaction Fees
- Foreign Transaction
- Balance Transfer
- Cash Advance

1% of transaction amount

International Service Assessment Fee

1% of transaction amount

How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases).

ScoreCard Rewards

Not only do you get to save money with our incredible rates, but you can also save up points! Each purchase you make with our Platinum Rewards Visa Credit Card earns you valuable Bonus Points that may be redeemed for brand name merchandise and exciting travel rewards.

Visit www.scorecardrewards.com to see the amazing array of rewards.

Visa Purchase Alerts

Enrolling in Visa Purchase Alerts for your Platinum card gives you so many benefits:

  • Security.  Keep your account secure by getting alerts for transactions in real-time and immediately identify potentially fraudulent activity.
  • Control.  Take an active role to track spending and stay on top of account balances.
  • Convenience. Choose your alerts to what make sense for you.

Enroll in Visa Purchase Alerts Here in 3 simple steps!


To make inquiries about your Visa account, visit ezcardinfo.com, where you can check your Visa history, balances and more!


Verified by Visa

Click on the link to register for Verified by Visa, the program that protects you while you shop on-line.

While making a purchase on the internet, merchants may ask you for a password to proceed with your Visa transaction - this password is designated by you and protects your Visa account number from fraud. Assign your password now - and shop knowing that your card is protected!

Your savings federally insured to at least $250,000 by the National Credit Union Administration. An additional $250,000 is privately insured by ESI.
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