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ROUTING # 281076730

Credit Cards

Visa Platinum Credit Cards

Earn Double Points When You Shop This Holiday Season!

No matter how or where you shop this holiday season, use your 1st MidAmerica Platinum Visa credit card and earn double points! Buy holiday gifts, shop for the family feast, book a winter getaway or stock up on essentials and earn double points when you use your Platinum Visa. 

Don't have a 1st MidAmerica Platinum Visa? Apply today!

*Double ScoreCard points offer valid 11/1/18 - 12/30/18 on the all merchant categories. Approval and rate subject to credit worthiness. 

Switch & Save!

Dump your high credit card rates and save with a Platinum Visa from 1st MidAmerica! 

Apply for a credit card online here!

  • No annual fees
  • No balance transfer fees
  • Optional ScoreCard Rewards Program (link to info below)
  • 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.

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 that occur after six months of opening the card.Platinum: 8.9% APR
Platinum Rewards: 9.9% APR - 13.90% APR, based upon credit worthiness
ANNUAL PERCENTAGE RATE (APR) for 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 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


Annual FeesNone
Penalty Fees
- Late Payment
- Returned Payment



Transaction Fees
- Foreign Transaction
- Balance Transfer
- Cash Advance


1% of transaction amount

International Service Assessment Fee1% 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 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 makes sense for you.

Enroll in Visa Purchase Alerts here in 3 simple steps!

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

Verified by Visa

Go here to register for Verified by Visa, 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