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Credit Cards

Visa Platinum Credit Cards

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Leave high rates behind when you open a 1st MidAmerica Visa Platinum credit card, with rates as low as 8.9% APR!

Maybe you took advantage of discounts offered during shopping season on department store credit cards. Or maybe you paid off bills with a high rate card from one of the big banks. Whatever the reason for your high rate balances, we can provide relief!

Plus, there are no annual fees. Get started with our online credit card application, or by phone at (618) 258-3168 or (800) 345-4216, or speak with us face-to-face with Go Live Video Banking.

And more Platinum Credit Card benefits...



Important Visa Credit Card Disclosures

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

Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE (APR) for Purchases and Cash Advances; and Balance Transfers

Platinum: 8.9% APR
Platinum Rewards: 9.9% APR - 13.90% APR, based upon credit worthiness

How to Avoid Paying Interest on PurchasesYour 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 month.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at


Fee TypeFee
Annual FeesNone

Penalty Fees


- Late Payment


- Returned Payment


Transaction Fees


- Foreign Transaction Fee

1% of transaction amount

- Cash Advance


- Balance Transfer$10.00 or 2% of the amount of each balance transfer, whichever is greater
International Service Assessment Fee1% of transaction amount

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

1st MidAmerica Cards App

Control your 1st MidAmerica credit card from anywhere! Use the 1st MidAmerica Cards app to control card access settings like suspending the card or declining certain transactions, set travel notifications, create transaction alerts, and more. Look for the 1st MidAmerica Cards app in the Apple or Google Play store.

Credit Card Rewards

Earn points for every dollar you spend with your 1st MidAmerica Visa Platinum credit card! With Credit Card Rewards, you can redeem your points for:

  • Cash back
  • Gift cards
  • Travel
  • Merchandise
  • Tickets and experiences
  • And more!

Earn points on everyday transactions –  like groceries, gifts, fuel, dining, and more! And card holders get special offers throughout the year for bonus points.

You can redeem your points through online banking or the mobile app, the Rewards website, or by calling 1-866-223-3161.

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 makes sense for you.

Enroll in Visa Purchase Alerts here in 3 simple steps!

Visa Secure

Go here to register for Visa Secure, the program that protects you while you shop online.

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!

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.

Enroll in Visa Checkout

About 1st MidAmerica

As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances.

Read more about us