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Platinum Rewards Credit Card

​​​​​​​​​⁸Low Rate Platinum and Wright State University Alumni Association (WSUAA) Low Rate Platinum: TThe Annual Percentage Rate (APR) is variable and is based upon an index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal, currently 3.25%. The APR for Purchases, Balance Transfers and Cash Advances for the Low Rate Platinum and WSUAA Low Rate Platinum credit cards will vary from Prime Rate + 3.00% (currently 6.25% APR) to Prime Rate + 11.00% (currently 14.25% APR), depending upon your creditworthiness. The rate may increase or decrease monthly, but it will never go below 3.00% APR and will never exceed 18.00% APR. Platinum Rewards and WSUAA Rewards: : The APR is variable and is based upon an index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal, currently 3.25%. The APR for Purchases, Balance Transfers and Cash Advances for the Platinum Rewards and WSUAA Rewards credit cards will vary from Prime Rate + 6.00% (currently 9.25% APR) to Prime + 14.00% (currently 17.25% APR), depending upon your creditworthiness. The rate may increase or decrease monthly, but it will never go below 3.00% APR and will never exceed 18.00% APR. Earn unlimited 1.5% cash back on every purchase; you will earn 1.5 points for every $1.00 spent. Cash advances and balance transfers are not eligible for the 1.5% cash back rewards. First Time User: The APR for Purchases, Balance Transfers and Cash Advances for the First Time User credit card is 17.99% APR and is a fixed rate for the duration of the loan. Applicants must have an open WPCU checking account, provide proof of income, and provide two personal references. Share-Secured: The APR for Purchases, Balance Transfers and Cash Advances for a Share-Secured credit card is 12.50% APR and is a fixed rate for the duration of the loan. To secure the amount of credit extended for the Shared-Secured credit card, funds will be held in the borrower’s TrueSaver® share account and unavailable for withdrawal until the account is closed. For All Credit Cards: All loans are subject to credit review and approval. APRs are accurate as of 9/3/2021 and may change at any time. There is a Foreign Transaction Fee of 1.00% of the final settlement amount for transactions that are initiated in a foreign currency or for transactions occurring in foreign countries and initiated in U.S. Dollars. There is a Returned Payment Fee of the lesser amount of $25.00 for any payment returned unpaid or the minimum payment amount due for the returned payment. If your payment is more than five days late there is a Late Payment Fee of $20. Credit card applicants under 21 must demonstrate an ability to repay or have a qualified co-borrower or co-signer who is 21 or older​. Click here for Credit Card Rates, Fees and Other Cost Information​ related to our credit card products.
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​^​A replacement card fee may apply