Platinum Visa Cardholder Benefits
- Credit Lines up to $15,000
- 25 Day Grace Period (purchase only)
- No Annual Fees
- No Balance Transfer Fees
- Travel Agent Service
- Auto Rental Insurance
- Concierge Service
- Emergency Monetary Services
- 24/7 Preferred Customer Service
Variable rates start as low as 9.99% APR* for the Platinum Low Rate VISA and as low as 11.99% APR* for the Platinum Rewards VISA.
More Cardholder Benefits
| Platinum VISA with Rewards | Low Rate Platinum VISA |
|---|---|
| If you are looking for a Rewards Visa card, apply for our low fixed rate Platinum VISA Card with lines of credit up to $15,000. | If you are looking for a low rate, our Platinum VISA Card comes with a great rate and no cash advance or balance transfer fees. |
| Free Balance Transfers Transfer the balance from those high interest rate cards at no charge. | Free Balance Transfers Transfer the balance from those high interest rate cards at no charge. |
| Travel Agent Service Travel planning assistance. | Travel Agent Service Travel planning assistance. |
| Auto Rental Insurance Use your Platinum Card to rent your next auto and skip adding their expensive rental insurance to your vehicle. | Auto Rental Insurance Use your Platinum Card to rent your next auto and skip adding their expensive rental insurance to your vehicle. |
| Traveler Assistance Pre-trip assistance, emergency ticket replacement, lost luggage assistance, worldwide toll-free assistance service. | Traveler Assistance Pre-trip assistance, emergency ticket replacement, lost luggage assistance, worldwide toll-free assistance service. |
| Concierge Service Global Dining Referral & Reservations, Limousine Reservations, Personalized Services, preferred event seating. | Concierge Service Global Dining Referral & Reservations, Limousine Reservations, Personalized Services, preferred event seating. |
| Emergency Monetary Services Travelers Cheque refund service, emergency card and cash replacement. | Emergency Monetary Services Travelers Cheque refund service, emergency card and cash replacement. |
| Preferred Customer Service Preferential customer service 24 hours a day, 7 days a week, 365 a year for everything from general account information to fee inquiries. | Preferred Customer Service Preferential customer service 24 hours a day, 7 days a week, 365 a year for everything from general account information to fee inquiries. |
| Annual Fee None! | Annual Fee None! |
| Purchase Reward Points Not just mileage points, but can be used on a wide variety of merchandise. |
Shared Secure
If you are just starting out, or if you have had some credit problems in the past, apply for a McKesson & Healthcare Providers FCU Secured VISA. Use your McKesson & Healthcare Providers FCU savings account as collateral for your VISA and apply for a credit limit up to $2,500.
Call the loan department at (925) 524-LOAN (5626) for more information.
Online Application and Disclosures
Begin the application process by reviewing the rates and disclosures below. Feel free to call the loan department at (925) 524-LOAN (5626) for more information.
Interest Rates and Interest Charges
| Annual Percentage Rate | Visa Platinum | Visa Platinum with Rewards |
|---|---|---|
| Annual Percentage Rate (APR) for Purchases | Visa Platinum 9.99% - 17.99% when you open your account, based on your creditworthiness. | Visa Platinum with Rewards 11.99% - 15.99% when you open your account, based on your creditworthiness. |
| APR for Balance Transfers | Visa Platinum 9.99% - 17.99% when you open your account, based on your creditworthiness. | Visa Platinum with Rewards 11.99% - 15.99% when you open your account, based on your creditworthiness. |
| APR for Cash Advances | Visa Platinum 9.99% - 17.99% when you open your account, based on your creditworthiness. | Visa Platinum with Rewards 11.99% - 15.99% when you open your account, based on your creditworthiness. |
| Penalty APR and When it Applies | Visa Platinum 17.99% | Visa Platinum with Rewards 15.99% This APR may be applied to your account if you: - Make a late payment. |
| How Long Will the Penalty APR Apply? | If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due. | |
| How to Avoid Paying Interest on Purchases? | Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. | |
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 | |
|---|---|
| Late Payment Fee | $20.00 of amount or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. |
| Returned Payment Fee | $28.00 or the amount of the required minimum payment, whichever is less. |
| Card Replacement Fee | $20.00 |
| PIN Replacement Fee | $5.00 |
| Pay-by-Phone Fee | $10.00 |
| Statement Copy Fee | $5.00 |
| How We Will Calculate Your Balance | We use a method called "average daily balance (including new purchases). |
| Application of Penalty APR | Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. |
| Effective Date | The information about the costs of the card described in this application is accurate as of July 15, 2024. This information may have changed after that date. To find out what may have changed, contact the Credit Union. |
Have questions? Call the loan department at (925) 524-LOAN (5626) for more information! Ready to apply? Use the links below!
Download the Visa Disclosure. *APR=Annual Percentage Rate.
