The Idaho State University Alumni Association joins the ranks of educational institutions all over the country in offering a charity credit card. Their card is a Platinum Plus MasterCard WorldPoints product issued in partnership with Bank of America. The bank makes donations to the alumni association based on the net purchases of card holders.
The credit card sports the Bengal tiger which serves as the university’s mascot. The Bank of America and MasterCard WorldPoints logos are also displayed. Compare this with other online credit card offers!
To apply for this card, consumers have two options. They can apply online by following a link at the Idaho State University Alumni Association web site, or they can call a toll free number listed on that same site. Instructions for application give a special priority code for applicants to use.
Idaho State University Credit Card WorldPoints Details
The Idaho State University Credit Card WorldPoints program is similar to other programs MasterCard WorldPoints offers. An award of one point for every dollar in net purchases made to the card is given. Balance transfers, cash advances, bill payments, and various other types of transactions do not qualify. As with other cash back credit cards and travel credit cards, points are redeemed for cash back, merchandise, or blackout-free travel on participating U.S. airlines.
MasterCard’s MyConcierge service comes complimentary with the card. MyConcierge allows card holders to secure event tickets, dining reservations, travel assistance, and more.
MasterCard offers a variety of extra benefits through their Platinum Plus program, including travel assistance, purchase and price protection, identify theft help, zero liability fraud protection, and more. It is unclear which of these benefits, if any, apply to the Idaho State MasterCard.
Idaho State University Credit Card Terms
The Idaho State University credit card is free of any annual fee. Depending on the credit worthiness of the applicant, an introductory APR of 0% extends for the first seven or ten billing cycles. This rate is good only on purchases and balance transfers. The standard APR after that ranges from 12.99% to 20.99%. There is no default penalty APR.
The cash advance APR is one of the highest in the industry at 24.24%. Other fees are high as well, at a straight 4% or $10 for balance transfers, cash advances, or wire transfer purchases. The foreign transaction rate stands at 3%. Compare these rates with other online credit card rates now!
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