The interest rate on the Massachusetts Institute of Technology Federal Credit Union Onyx Smart Rewards credit card is a little on the high side, but all of its additional rewards more than makes up for the APR. It you take a look at the MIT FCU’s Better Business Bureau report, you’ll see that the credit union hasn’t received any complaints in the last three years.
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This personal credit card has a sizable credit limit, which starts at $15,000. Some lucky Massachusetts Institute of Technology Federal Credit Union Onyx Smart Rewards credit cardholders will have credit limits as high as $25,000. Although it is backed by a federal credit union, it is assumed that only applicants with stellar credit ratings will be approved for this Smart Rewards credit card.
MIT FCU Onyx Smart Rewards Credit Card Interest
The Massachusetts Institute of Technology FCU Onyx Smart Rewards credit card has a variable interest rate. Well-qualified applicants will pay 11.99% APR, while those with a lower credit score may pay a maximum of 14.99% APR.
The fees for making a late payment or having a payment returned by the MIT FCU are $25 each. Foreign transaction fees will be charged 2% interest. Customers will also pay $15 when they request replacement credit cards.
MIT FCU Onyx Smart Rewards Credit Card Benefits
With the Onyx Smart Rewards program, cardholders get a single point for each and every dollar that they spend on their credit cards. As with other credit card rewards program credit cards, promotions and prizes change often, so Onyx Smart Rewards program members will need to keep track of their points individually.
All Massachusetts Institute of Technology Federal Credit Union Onyx Rewards credit cardholders will has access to the exclusive Visa Concierge service.
This program helps members get access to concert tickets, airline tickets, and other events that they would not normally be able to access on their own. Applications for the Massachusetts Institute of Technology FCU Onyx Rewards credit card can be processed online, over the phone, or via standard mail.
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