Platinum Rewards MasterCard

Platinum Rewards MasterCard® Details

Ideal card for you if you are looking for a card that gives you substantial rewards and premier cardholder benefits.

Features & Benefits

  • 0% Introductory APR on purchases and qualified balance transfers for twelve months. After that, your APR will be 13.49% to 19.49% based on your creditworthiness (this APR will vary with the market based on the Prime Rate). Introductory 0% APR for twelve months applies to qualifying balance transfers completed within 1 month of account opening with a $250 minimum balance transfer.
  • Earn Rewards* on every purchase:
    • Earn 1% in rewards for each $1 spent on purchases for the first $5,000 per year
    • Earn 1.25% in rewards for each $1 spent on purchases greater than $5,000 per year
    • Plus, earn 10,000 bonus reward points on your new card when using it to make your first purchase (a $25 reward value)
  • Redeem points for travel, merchandise, tickets or an account credit
  • Balance transfer fee waived for 30 days after account opening, thereafter fee will be 3% of transfer amount
  • $1 Million in Travel Accidental Death Insurance1
  • Worldwide acceptance (28 million locations in 210 countries)
  • Can be used to provide overdraft protection for your Ultrimal Investment checking account(s) 

Let's Talk


You should review the following disclosure terms and conditions prior to completing your application.
Any application submitted is subject to the terms of the product offered.

Platinum Rewards MasterCard – Variable Rate

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases0.00% introductory APR for twelve months from date of account opening.
After that, your APR will be 13.49% to 19.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers0.00% introductory APR for twelve months, for qualifying balance transfers of $250 or more completed within 1 month from the account opening date.
After that, your APR will be 13.49% to 19.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances17.74% to 23.74% when you open your account, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on PurchasesYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest ChargeIf you are charged interest on purchases, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore.

 

Fees

Transaction Fees
  • Balance Transfer
3% of the amount of each transfer
  • Cash Advance
Either $15 or 5% of the amount of each cash advance, whichever is greater (maximum fee: $50)
  • Cash Equivalent Purchases
Either $15 or 5% of the amount of each purchase of a cash equivalent, whichever is greater (maximum fee: $50)
  • Foreign Transaction
3% of each transaction in U.S. dollars
  
Penalty Fees
 
  • Late Payment
Up to $25
  • Returned Payment
Up to $25

 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".

Let's Talk

  • Call: +1 929 459 2119
  • Find a branch


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Additional Benefits2

  • Baggage Delay
  • Hotel Burglary
  • Purchase Assurance
  • Extended Warranty
  • MasterRental® Insurance
  • Identity Theft Resolution
  • Price Protection
  • Travel Assistance
  • MasterCard Global Service
  • MasterCard SecureCode™ Credit offers you protection when shopping online
 
  1. View the $1 Million Travel Accident Insurance for additional details.
  2. View the Platinum Rewards MasterCard Cardholder Benefits.
* Example: spend $5,000 and earn 20,000 reward points, which can be redeemed for a $50 reward value. Visit: selectyourrewards.com/Ultrimal Investment to redeem points.

Platinum Rewards MasterCard® Credit Card is subject to credit approval. View Credit Card Agreement.
Must be 18 years or older to obtain a credit card.