There is no Gold Visa credit card listed on the Mountain America Federal Credit Union website. Currently the only credit cards listed are the Platinum Visa and the Platinum Visa Rewards cards. This does not mean that the Mountain America FCU does not offer a gold credit card option for its members. A member might have to go to their local branch for more information.
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A Visa Gold credit card is the middle card between a Visa Classic and a Visa Platinum credit card. It is meant for someone that has a well-established credit history, but does not currently have a credit score or annual income to qualify for the higher level platinum card. If you’d like to focus on increasing your credit score in order to qualify for a platinum card, read information on how to managing debt and other credit card-related issues on Suze Orman‘s website.
More about the Mountain American FCU Platinum Rewards Visa Credit Card
The rates for a rewards credit card are always going to be a little higher than they are with a normal card, as a way to make up for the cost of the rewards that the cardholder earns. Unlike most credit card providers that often charge 5% or more in interest on rewards cards than their regular cards, there is only a 1% difference in the interest between the Mountain America FCU Platinum Visa and Platinum Visa Rewards cards.
The current annual percentage rate for purchases and balance transfers is 8.99%, 10.99%, or 11.99%, depending on the cardholder’s creditworthiness.
There is a fixed cash advance interest rate of 17.9%, no matter which credit card the member has or how good their credit score is.
There is no credit card penalty interest rate for this card and no minimum interest charge at this time.
The Fees for Mountain American FCU Credit Cards
The fees are the same no matter what type of card it is. This credit union does not charge as many fees as other popular credit card companies. The only real penalty fee is a late payment fee that can range from $15 to $25.
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- Mountain America Federal Credit Union Visa Classic Credit Card
- Mountain America Federal Credit Union Visa Platinum Credit Card
- Elks Platinum Credit Card
- American 1 Federal Credit Union Visa Gold Credit Card
- American Express Rewards Plus Gold Card
- Ameriprise Bank, FSB American Express Gold Card
- America First Federal Credit Union Visa Business Credit Card