Platinum MasterCard

The Members Choice Platinum MasterCard® is right on the money when it comes to helping you save. As a Members Choice credit card holder, you can easily consolidate high interest credit card debt to your low interest rate Members Choice credit card. Don’t be fooled by temporary low rates that go sky high in the not so distant future. Put high rates and expensive fees in your past and discover the true rewards of a credit card with a consistently low-rate with no hidden fees or service charges.

  • Cash Advance Low Rate.
    • A Cash Advance on your card is the same low rate as purchases!
  • Protection and Peace of Mind.
    • Your card comes with Zero Fraud liability. If it is ever lost or stolen, you pay nothing.
  • We’re Here When You Need Us.
    • Whenever you need assistance, for any reason, call us. We’re on duty to answer questions and solve problems.
  • Convenient, Quick & Easy!
    • You want convenience… we hear you.
    • As a Member, you can quickly and easily apply for a new Platinum MasterCard® OR to increase the credit limit on your current card. Go to the EasyApp form here.
    • Also… transfer balances from high-rate cards to a Member’s Choice Platinum MasterCard® right on your mobile phone! Watch the video below to see how!


As a Member, you can quickly apply for a new Platinum MasterCard® credit card OR to increase the credit limit on your current card by using the EasyApp form.

Not Currently A Member? Apply below for a new Platinum MasterCard®
and join our family. People Helping People… it’s what we do.


Transfer balances from high-rate cards to a Members Choice Platinum MasterCard® right on your phone!
See how in this video:

Other Members Choice Platinum MasterCard® credit card benefits include:

  • $1,000,000 Free Travel Accident Insurance Charge plane or train tickets to your Members Choice credit card and you, your spouse and eligible dependent children are automatically covered for $1,000,000 in common carrier travel accident insurance.*
  • Auto Rental Collision Damage Waiver (No more paying extra $$ for collision coverage) Offers you coverage, at no additional cost, for damage due to collision or theft of most rental cars. Simply charge the covered rental to your card and decline the CDW/LDW offered by the rental agency such as Budget, Alamo, Enterprise or others.*
  • Baggage Delay Insurance Reimburses you for replacing essential personal or business items in your baggage if the baggage you have checked on to a common carrier is delayed in transit and your tickets were purchased using an eligible MasterCard® card.
  • Cell Phone Protection – When you use your Members Choice MasterCard® to pay your monthly cell phone bill, you get more than the convenience of not worrying about writing a check or forgetting to pay your bill. If your cell phone is damaged or stolen, you are eligible for reimbursement, up to $200 per claim ($50 deductible applies). So why pay Verizon or AT&T – $5.99 /mth when you can have it for “FREE”. Annual savings of $70!
  • Many More Benefits that we are able to deliver to you and save you money. See Mastercard® Guide to Benefits! When you receive your card, a detail booklet will be delivered to you along with your new card.
  • Competitive rates
  • 25-day grace period on purchases
  • No annual fee
  • No hidden charges
  • Low minimum payment
  • Convenience of cash advances through ATMs worldwide
  • Secure Online Shopping with MasterCard® SecureCode® (coming soon)
  • Manage your account online with GotoMyCard
  • Amazing Rewards: Earn Points on your everyday purchase! Redeem Merchandise, A Vacation Getaway, a A Sky Diving Trip, or simply select from hundreds of Gift Cards choices!

Questions about your MasterCard®? Contact Us

**You will qualify for 5,000 bonus reward points if you make Balance Transfer and/or Purchase transactions to your Members Choice Platinum MasterCard® totaling at least $1,500 (exclusive of any fees, returns and adjustments) during the promotional period. Offer valid on Balance Transfers and Purchases to Members Choice MasterCard® Platinum credit cards starting August 1, 2019 through October 31, 2019. Limit 1 bonus reward points offer per account. Your balance transfer requests will be subject to your normal APR as outlined on your monthly statement based on the MasterCard® cardholder agreement and disclosure. The minimum balance transfer amount allowed is $20. Any balance transfer request that is submitted for less than $20 will not be honored. If you default through becoming 60 days or more delinquent your bonus reward points offer is voided and we may increase your APR on the balance transfer and other balance amounts as defined within the cardholder agreement and disclosure, which is provided upon card issuance. Other restrictions or conditions may apply. You may not pay off any other Members Choice credit card, line of credit or loan product by using this offer. Members Choice Platinum MasterCard® account must remain in good standing. Eligible Bonus Reward Points will post to valid Members Choice Platinum MasterCard® accounts no later than 90 days of promotion end.
*APR = Annual Percentage Rate. Current rates range from 9.74% APR to 18.00% APR. Rates are subject to change without notice. The Annual Percentage Rate can vary based on creditworthiness. Qualified credit limit will be determined by certain underwriting criteria. For current rates, fees and other cost information, please contact Members Choice FCU at (800) 834-0082. Cardholder benefits are subject to change without notice. Certain terms, conditions, limitations, and exclusions apply. Please see your Guide to Benefits for complete program details.