Mission Federal Credit UnionChecked Oct 4, 2026

Platinum Rewards Credit Card

$150 dollars after you spend $1,500 in 3 months. No annual fee.

Welcome offer: Issuer's pagemissionfed.com
“$150 bonus with $1,500 in net purchases in the first 90 days ¹”
Checked Oct 4, 2026Open on missionfed.com Report a problem
Annual fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Foreign transaction fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
Spending	First year	After
Light spender	$150	$0
Typical spender	$150	$0
Heavy spender	$150	$0

The spending each assumes, a month

Light spender: groceries $300, dining $100, gas $100, everything else $500
Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
Lower top APR than about 100% of the 50 cards on our 0% intro APR list (see the list).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Welcome offer

$150 cash

After you spend $1,500 on purchases in your first 3 months.

Must apply by 9/30/26. Bonus will be credited approximately 120 days after account opening. Qualifying transactions exclude in-branch cash advances, traveler’s check purchases, balance transfers, overdraft protection advances, convenience checks, fees and ATM transactions.

Spending it takes$500 a monthfor 3 months

Tracking sinceOct 4, 2026history will chart every change

Rates and fees

Rates and fees for the Platinum Rewards Credit Card, each with its source
Annual fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem fixed
Intro APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem 12 months
Balance transfer APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Balance transfer fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Cash advance APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Cash advance fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Late payment	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Foreign transactions	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Grace period	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem

Carrying a balance? See how long it takes to pay off

Benefits

Use at millions of locations worldwide wherever Mastercard is accepted, including international merchants.
Priceless Cities & Experiences offers for Mastercard cardholders.
Contactless-enabled card for tap-to-pay.

Questions

What is the annual fee?: None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?: Yes: 2%. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?: 13.99–17.99% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there an intro APR?: 0% for 12 months. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?: $150 cash back after $1,500 in purchases in 3 months. missionfed.com, since Oct 4, 2026

Other cards without rewards with no annual fee

AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
AEO, Inc.Synchrony · No annual feeabout the same

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).