Platinum rewards MasterCard®

If you're one of those exceptional members with an outstanding credit record and a history of handling money wisely, you can enjoy the best that life has to offer with an FFCU Platinum Rewards MasterCard®:

No annual fee
Low variable interest rate
25-day grace period on purchases
No cash advance fees
Foothill Rewards Program (earn points for using your Platinum Reawards Mastercard)
$1,000,000 of travel accident insurance
MasterRental Insurance Coverage
MasterRoadAssist Roadside Service
Worldwide medical referrals
Emergency legal assistance
MasterPurchase Retail Protection Service
MasterCard® Global Services
Lost/Stolen Card Reporting
Emergency Card Replacement
Emergency Cash Advances
MasterCard®/Cirrus ATM Locations
Three attractive designs to choose from

Click here to view the detailed Platinum MasterCard Guide to Benefits

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances	Platinum: 8.75%* - 17.90%* based on your credit worthiness at the time you open the account. This APR will vary with the market based on the Prime Rate. Platinum Rewards:10.25%* -17.90%* based on your credit worthiness at the time you open the account. This APR will vary with the market based on the Prime Rate. Secured Credit Builder: 17.90% fixed rate
Penalty Annual Percentage Rate (APR) and When It Applies	None
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers and convenience checks on the date they are posted to your account.
Minimum Interest Charge	None
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
FEES and CHARGES
Annual Fee	None
Transaction Fees	Balance Transfer: None Cash Advance: None Foreign Transaction: 1% of each transaction in U.S. dollars
Penalty Fees	Late Payment: If the payment is 15 days or more past due, you will be charged up to $25. Over-the-Credit Limit: None Returned Payment: $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your account agreement for more details. The information about the costs of the cards described in this application are accurate as of September 1, 2011. This information may have changed after that date. To find out what may have changed, call us at 626.445.0950 or write to us at P.O. Box 660130, Arcadia, CA 91066-0130. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your agreement. *Foothill Federal Credit Union has a loan program, which features a range of interest rates for some consumer loans. A rate is based on a variety of factors, including the applicant's credit rating at the time the new loan is opened. After that the Standard Annual Percentage Rate (APR) may vary quarterly. The APR is a variable rate determined quarterly by adding a margin 5.5% - 14.75% (depending on our review of your application and credit history) to the Prime Rate (Index) which is published in the “Money Rates” column of the Wall Street Journal on the last business day of each calendar quarter. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. The corresponding Standard Daily periodic (DPR) range for the APR ranges above is.02397% DPR-.04904% DPR.

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Platinum rewards MasterCard®