FirstMerit Bank Platinum MasterCard Credit Card

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FirstMerit Bank Platinum MasterCard Credit CardIf you’re someone with excellent to perfect credit, and you want a credit card that rewards you for your great credit score, then you’ll want to consider the FirstMerit Bank Platinum MasterCard. This credit card is only for people with nearly perfect credit, and those of you with less-than-perfect credit need not apply.

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You don’t have to have an account at FirstMerit in order to apply for this credit card. In addition to the great credit score you need to have, you’ll also need to have an annual income of at least $21,000 to qualify for this credit card. This is actually very low considering the kind of credit score you need to qualify for this card.

FirstMerit Bank Platinum MasterCard Credit Card Overview

This credit card with rewards allows you to earn one point for every dollar you spend. Rewards can be redeemed for attractions, travel, merchandise, and event tickets. The Platinum MasterCard offers several benefits that you’ll probably appreciate. One of the benefits that you’re seeing more with MasterCard credit cards is the fact that there is an extended warranty program for products purchased with your credit card.

What this program entails is that when you purchase a product with a warranty, the warranty is extended by the amount of the original warranty. What this means is if you have a one-year warranty for the product that you buy using your MasterCard, then you get an additional year covered by MasterCard.

In addition, if a product that you purchase is lost, stolen, or damaged in the first 90 days after you make your purchase. MasterCard will cover the cost of the purchase. Now, there are some limits to this coverage, however, the maximum isn’t noted in the terms.

You’ll also receive travel accident insurance, roadside assistance, the option to purchase items on the MasterCard Market Place website and save money and more.

FirstMerit Bank Platinum MasterCard Credit Card Terms

As mentioned above, this credit card has low interest rates. It begins with a 3.99% introductory APR, which is fixed. After the introductory APR expires, the APR will be 7.24% to 13.24%. The introductory APR applies to purchases and balance transfers.

The APR for balance transfers and for credit card cash advances are different from the APR for purchases. The APR for these two transaction types are 11.49% to 17.49%.

The fees, which comply with the Federal Reserve Credit Card Rules, include:

  • $2 for balance transfers
  • $10 for cash advances
  • 3% foreign transaction
  • Maximum $25 late payment and returned payment

FirstMerit Bank Platinum MasterCard Credit Card Verdict

This credit card offers great low interest rates that you might want to consider especially if you intend to carry a balance month-to-month. It isn’t right for everyone, because of the credit score requirements.

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

One Cardholder Review for the “FirstMerit Bank Platinum MasterCard Credit Card”

  1. Marie Reid says:
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    I was approved for a credit card but I saw where I had to pay a fee just trying in to find out if it a credit card that I can shop with and pay later or a card where I add my own money

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