Credit Cards

Disclosures

*Limited Time Diamond Anniversary Points Bonus Offer

To earn 7,500 bonus rewards points, make your first purchase with your new Visa Platinum Rewards Credit Card between 09/01/2025 and 12/31/2025. No minimum purchase limit. Only one 7,500 bonus per new account.

Rewards points are credited at the start of the following month. Terms and conditions apply. See full terms, APR, fees and conditions in the Credit Card Agreement and the Application & Solicitation Disclosure. Offer subject to change. Offer not available to existing Visa Platinum Rewards cardholders.

**Rewards Bonus Offer
To earn 10,000 rewards points, you must make $500 or more in eligible Purchases within the first 3 months from account opening.
Balance transfers and cash advances do not qualify.
Offer not available to existing Mirastar Visa Rewards cardholders.
Offer not guaranteed and subject to change. Must be a member in good standing.

Additional Information

• Rates and terms are based on creditworthiness and subject to change.
• All loans are subject to credit approval and income verification.
• If you are under 21, you must demonstrate independent ability to repay or apply with a qualified co-borrower who is at least 21 years old.
• Rates and terms may change. For full terms, see the Credit Card Agreement and Application & Solicitation Disclosure.
• Balance transfer offers apply to U.S.-issued cards only.
• Visa’s Zero Liability policy does not cover ATM transactions or PIN-based transactions not processed through the Visa network.

 

¹Limited Time Earn Double Point for Travel and Dining

This is a limited time offer available from 10/01/2025 to 12/31/2025.

2x Reward Points: You will earn 2 rewards points for every $1 dollar you spend when you make qualified purchases for travel and dining expenses (Car Rentals, Lodging, Transportation Services, Airlines, and Restaurants, Bars and Fast Food). 2x points are based on merchant code and not product. There is no point maximum.

²Visa Platinum Balance Transfer Promotion

Enjoy a 1.99% APR for 12 billing cycles on balance transfers made within the first 3 months of account opening to your Visa® Platinum credit card account. After the promotional period ends, a variable APR, currently 15.24%, will apply based on your creditworthiness and the terms of your account. A balance transfer fee of 3.00% of the amount of each transfer applies. Balance transfers are subject to credit approval and must not exceed your available credit limit. Interest begins accruing on the date the balance transfer is posted to your account. This promotional offer is available to qualifying cardholders and may be modified or withdrawn at any time. Offer not valid on balances transferred from other Mirastar Federal Credit Union loans. Transferring balances will not close accounts with other creditors. To close your accounts with other creditors, you must contact them. It may take up to 10 business days for balance transfer payments to reach other creditors. You should continue to make payments to other creditors to avoid late fees; we will not be responsible for late or other default-related fees assessed by other creditors. Balance transfers will not be made if it causes you to exceed your credit line. Other restrictions may apply. For complete terms and conditions, visit mirastarfcu.org or contact a Loan Advisor at 800-282-6212.

³Annual Percentage Rates (APRs) as of 03/01/2025:
The following APRs apply to Purchases, post-introductory Balance Transfers, and Cash Advances. These are variable rates and will vary with the Prime Rate. We add a “Margin” to the Prime Rate to determine APRs (demonstrated below).

• VISA Share Secured and VISA Platinum: 15.24% APR (Prime Rate + 7.74%)
• VISA Platinum Rewards: 18.00% APR (Prime Rate + 10.74%, capped at 18.00%)

As of 03/01/2025, the Prime Rate is 7.50%.
The daily periodic rate is:

• 0.0417% for Share Secured and Platinum
• 0.0493% for Platinum Rewards (maximum rate)

Fees

Balance Transfer (including introductory Balance Transfers) – 3.00% of the amount of each balance transfer.

Cash Advance – 3.00% of the amount of each cash advance.

Foreign Transaction – 2.00% of each transaction in U.S. dollars.

Late Payment – $25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.

Returned Payment – $20.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee – $25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee – $6.00.

Document Copy Fee – $15.00.