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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Financial Freedom with OU Credit Union Visa Cards
as low as
12.90% APR
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Cash Back
Platinum Plus
as low as
12.90% APR
 
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Cash Back Platinum Plus Visa Credit Card
What we offer
• 1% cash back on ALL purchases
• Low rate
• No application, annual or balance transfer fees
• 0% APR balance transfers to your new Platinum Plus Visa for 6 months
• $0 fraud liability
Free Quarterly FICO® Score


Balance Transfers
Move your high-rate balances to your low-rate OU Credit Union Visa Credit Card and save money while making one low monthly payment.

Plus, you never pay a balance transfer fee, helping to save you even more money when consolidating your credit card payments.

Contact us and we can transfer your balances electronically, issue cashier's checks to transfer your balances, or issue you blank checks that you can complete and send to your other creditors.

Reviews
4.90 stars out of 5
821 Member Reviews
5 stars out of 5
(780)
4 stars out of 5
(23)
3 stars out of 5
(6)
2 stars out of 5
(2)
1 stars out of 5
(10)
Rate this Product
Cash back is nice
4 stars out of 5
Awesome
5 stars out of 5
Moved - and still keep my MSUFCU. Noone else comes close to their service and product value.
First credit card
5 stars out of 5
An amazing starter credit card!! Love 1% cash back and how easy it is to pay off
Credit builder
5 stars out of 5
I love this card. It has helped me build my credit to be able to buy a home in the near future.
No regrets
5 stars out of 5
Cardmember Agreements
Get FileVisa Credit Card Agreement and Truth-in-Lending Disclosure Get FilePlatinum Plus Visa Credit Card Disclosure Get FileElectronic Funds Transfer Agreement and Disclosure Get FileElectronic Correspondence Disclosure and Agreement
Get FileAuto Rental Collision Damage Waiver Get FileFee Schedule
Get FilePrivacy Policy Get FileMulti-Featured Loan Agreement
Get FileDocuSign Disclosure Get FileUSA Patriot Act
Get FileVisa Gift Card Disclosure Get FileMyDesign Image Guidelines and Terms & Conditions
Get FileReloadable Visa Debit Card Disclosure Get FileMerchant Surcharge Fees
Get FileVisa Periodic Disclosure %filelink:msuaffinityagree%



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

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account becomes delinquent 60 days.

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.

Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 12.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.


Balance Transfer Offer Details
1 Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 12.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.