Credit Card

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 and no hidden fees or service charges.


Account management, rewards, and online payments are also available 24/7 by clicking the button below to go to

Credit Card Features

  • Consistently lower rates
  • No hidden fees
  • Same rate for cash advances as purchases
  • Transfer from high-rate cards and SAVE!
  • Zero Fraud Liability
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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!
  • Amazing Rewards: Earn Points on your everyday purchases! Redeem for merchandise, earn a vacation getaway or even a sky diving trip, or simply select from hundreds of Gift Card choices!
  • Competitive Rates
  • 25-day grace period on purchases
  • No annual fees
  • No hidden charges
  • Low minimum payment
  • Convenience of cash advances through ATMs worldwide
  • 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.

Questions about your MasterCard®? Contact Us

*APR = Annual Percentage Rate. Current rates range from 7.99% 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.