FirstMerit Bank MasterCard Premier Platinum Credit Card

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FirstMerit Bank MasterCard Premier Platinum Credit Card

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This credit card review was supposed to be about the FirstMerit Bank MasterCard Premier Platinum credit card. However, upon further research, it was discovered that this credit card doesn’t exist. As such, this article will review the FirstMerit Bank Platinum MasterCard credit card.

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You don’t have to be an account holder with FirstMerit Bank in order to apply for one of their credit cards. The exception to this is if you’re a business who wants a credit card. FirstMerit does require businesses to be account holders in specific states in order to apply.

FirstMerit Bank MasterCard Platinum Credit Card Benefits

There are many benefits for choosing this credit card, the first of which being that this is a rewards credit card. With this card for every $1 that you spend, you will earn one point on your card. There is no maximum amount of points that you can earn in a given year or in a lifetime. The one downside is the points expire in 3 years.

Redeeming your credit card reward points is easy and is done through a separate vendor called First Data Redemption Center. You can redeem your points for a variety of options, which includes standard options such as travel on airlines and cruises, for tickets to places like Disney World and Sea World, tickets to concerts and other standards, such as for merchandise, cash, and gift certificates.

One of the unique things about this rewards program is that FirstMerit allows you to buy the remaining point you need to get something specific. For example, if you’ve accumulated almost enough points to get a cruise, FirstMerit will allow you to purchase the remaining points to earn the cruise.

Other benefits for this card include what you would expect from any MasterCard, such as:

Credit card fraud liability protection
Card replacement services
Online secure coded payments
Worldwide acceptance
Some benefits that are unique include:
Extended warranty benefits
Lost luggage protection
Emergency medical insurance

FirstMerit Bank MasterCard Platinum Credit Card Terms

All of the FirstMerit Bank credit cards offer an introductory APR for six months of 3.99%. The Platinum MasterCard credit card offers an APR of between 7.24% and 13.24%, making this an unsecured credit card for people with perfect credit.

All of the other terms for this credit card fall within normal range for most credit cards, including their balance transfer, cash advance, and foreign transaction fees. In addition, their fees are in compliance with the Federal Reserve Credit Card Rules. All of their APR’s are based on the prime rate.

FirstMerit Bank MasterCard Platinum Credit Card Verdict

Because this is a low interest rate credit card, it’s an excellent option for people with perfect credit scores. If you have bad credit, you need to consider other credit card choices.

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