Visa Platinum Rewards Credit Card
Platinum Rewards Credit Card catered to earning points.
Low Rates and Exclusive Rewards for Every Journey.
Enjoy competitive rates and no annual fee for a rewarding member experience. For a limited time, earn 2x points on gas purchases to fuel your summer travel.* It is smart spending made easy to help you explore what is possible.
Bring Your Ultimate Summer Plans to Life
From road trips to backyard renovations, Mirastar is here to uplift your plans. Equip yourself with the purchasing power you need for the sunny days ahead, backed by our most rewarding offer yet.
The Mirastar Visa® Platinum Rewards Card turns your goals into reality with:
- 0% APR on purchases for your first 6 months from account opening*
- 10,000 bonus points after spending $500 in 3 months*
Explore what’s possible when you have the flexibility to make summer happen.
Limited time offer: July 1 – September 30, 2026
*Offer valid for new cardholders only. See terms and conditions for details.
FAQs
We make it simple, fast and secure to apply for credit cards online.
First, determine which card is right for you. We offer the following cards equipped with Verified by Visa and Visa Checkout for your safety and convenience:
- Visa Platinum
- Visa Platinum Rewards
For more information, our Loan Advisors can assist you by simply calling 408-282-0700. Or, apply online in as little as 5-10 minutes.
You should receive your VISA Credit Card, Debit Card (Check Card) or ATM card within 10 business days. If you have not received it within this timeframe, please contact us at 408.282.0700 or 800.282.6212.
Our Secured Visa is best for members who are building their credit (aka: you’re looking to improve your credit or have little to no credit history). This credit card is secured by money you deposit in a savings account. For example, if you make a $500 deposit, you will have that credit limit available on your card. The more you deposit, the higher your spending limit.
Our Visa Platinum is great for expanding your credit profile or credit report. Better yet, we’ve eliminated fees that other card issuers charge. No annual fees, and no over-limit fees – making it one of the best credit card options available today.
Our Visa Platinum Rewards is a great way to earn rewards on your purchases. You earn Dollar-for-Dollar points for all card purchases, receiving more value for your money. Plus, no annual fees. This is ideal for maximizing your spending dollars.
Apply for a credit card today.
Disclosures
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*Introductory Annual Percentage Rate (APR) & Bonus Points Offer Terms: Valid on qualifying purchases made 7/1/2026-9/30/2026 with Visa Platinum Rewards. A 0% APR applies for 6 months from purchase date. Standard Purchase variable APR† applies thereafter. To qualify and receive your bonus of 10,000 rewards points, you must make purchases totaling $500 or more during the first 3 months from account opening. Purchases do not include balance transfers and cash advances. Offer excludes existing Mirastar Visa® Platinum Rewards cards.
†Annual Percentage Rates (APRs) as of 03/01/2026: 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® Platinum Rewards: 17.49% APR (Prime Rate + 10.74%). The daily periodic rate is 0.0479% for Platinum Rewards. Rates and terms are based on creditworthiness and subject to change.
All loans are subject to credit approval and income verification. If under 21, you must prove financial independence or have a qualified co-borrower over age 21. For full terms and conditions, please see the Credit Card Agreement and Application & Solicitation Disclosure.
Fees
- Balance Transfer – 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.