Premier America Credit Union MasterCard Secured Platinum Credit Card

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Premier America Credit Union MasterCard Secured Platinum Credit CardAlthough secured credit cards are used as a means to better your credit score, using a secured credit card is also an excellent way to manage spending while learning how to best use a credit card. There are varieties of different secured credit cards available, and an option that you might want to consider is the Premier America Credit Union MasterCard Secured Platinum credit card.

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Typically, you’ll find that credit unions have some of the best options when it comes to their secured credit cards. They often have the lowest fees and the most benefits. Keep reading to learn if the Premier America CU Secured Platinum MasterCard is right for you.

Qualifying for the Premier America Secured Platinum MasterCard Credit Card

Only members of the Premier America Credit Union can apply for the Secured Platinum MasterCard. Becoming a member of Premier America only requires that you live in Houston, Texas, or counties in California that include Ventura, Los Angeles, the San Fernando Valley, and the Santa Clarita Valley.

Once you become a member of Premier America, you’re a member for life no matter where you live in the country. What’s more, all of your family can become members as long as you’re a member.

Anyone can qualify for the Premier America Secured Platinum MasterCard, providing that they can place the minimum required monies into an account. This credit card has a minimum deposit requirement of $5,000 and a maximum option of $50,000.

Benefits of the Premier America Secured Platinum MasterCard Credit Card

The benefits for this credit card are the same as those for the unsecured Platinum MasterCard from Premier America. These benefits include:

  • No annual fee
  • Travel accident insurance
  • Roadside assistance
  • Satisfaction guarantee coverage
  • Extended warranty coverage

Terms of the Premier America Secured Platinum MasterCard Credit Card

The initial terms for this credit card are quite good with the variable interest rate of 7% to 14.5%. This rate is based on the prime rate, which is not projected to change for the next six months. Your APR will apply to purchases, balance transfers, and cash advances.

There is a penalty APR of 10% over your base APR.

For example, if you qualify for the 7% APR, then your penalty APR will be 17%. The max penalty rate would be 27.15%.

The only transaction fees are a foreign transaction fee of 1% and a cash advance fee of $3 or 3%, whichever is greater. If you have a payment more than 14 days past due, you can expect to pay a credit card late fee of $15.

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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!

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