Platinum Plus Visa Cash Back Rewards Disclosure Account Agreement and Disclosure Platinum Plus Visa Credit Card Agreement and Truth-in-Lending Disclosure Membership and Account Application Auto Rental Collision Damage Waiver Multi-Featured Loan Agreement DocuSign Disclosure USA PATRIOT Act Visa Gift Card Disclosure Reloadable Visa Debit Card Disclosure Merchant Surcharge Fees Visa Periodic Disclosure Roadside Dispatch Disclosure

$50 Welcome Bonus Offer:
You will receive $50 once you spend $1,000 on net purchases within the first 90 days after OU Credit Union Platinum Plus Visa Credit Card approval. Purchases must post to your account within the first 90 days. Once you qualify for this bonus, we will apply it to your Platinum Plus Visa Credit Card balance within 45 days. Qualifying purchases exclude tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Returns or other reversals of purchases conducted within the first 90 days will be excluded. Account must be in good standing to receive $50. Account is not in good standing if closed or suspended. If the account is closed by either you or by the Credit Union for any reason prior to the $50 bonus being credited to your card, the bonus will be considered to have been forfeited. This one-time $50 offer is valid for new, first-time MSUFCU Platinum Plus Visa Credit cardholders only. This offer may be canceled at any time without notice.

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

Members will earn 1% cash back on all purchases. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to the amount returned. Negative cash back will be given if returns or credits exceed purchases.

APR is annual percentage rate, and is stated for qualified members having high credit scores. Actual rates may be higher and will be determined by member's credit score.