Credit Cards
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Consider an IMCU Credit Card that Offers Flexibility
Low Intro & Balance Transfer Rate
Looking to Transfer a Balance? Click here!
IMCU offers a variety of credit card options.
Looking for a low rate? We have that. Looking for rewards? We have that too. Find the option that suits you best below!
Credit Cards Offered:
![]() world premier mastercard®
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![]() premier advantage mastercard®
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![]() premier rewards+ mastercard®
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Annual Percentage Rate (APR) |
Intro Rate: 1.9%¹| 12 Months
Prime+7.49% - Prime+9.49%
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Intro Rate: 1.9%¹| 12 Months
Prime+4.49% - Prime+13.49%
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Intro Rate: 1.9%¹| 12 Months
Prime+5.99% - Prime+14.99%
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Rewards | N/A |
Earn 1 point for every $1 spent and redeem for travel, merchandise, gift cards or cash back
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Annual Membership Fee | No Fee | No Fee | No Fee |
Paying Interest | 25 days2 | 25 days2 | 25 days2 |
Late Payment Fee | $19.00 | $19.00 | $19.00 |
Foreign Transaction Fee | If a foreign transaction involves a currency conversion, a fee of up to 1% of the transaction amount will be assessed. If the foreign transaction does not involve a currency conversion, a fee of up to 1% of the transaction amount will be assessed. | ||
Apply Now | Apply Now | Apply Now |
¹Annual Percentage Rate (APR) for Purchases 1.90% APR. Introductory APR for 12 months from account opening. After that, your APR will be at 9.49%-21.00% based on creditworthiness. This APR will vary with the market based on prime rate. APR for balance transfers- 1.90% introductory rate for a period of 12 billing cycles. After that, APR will be 9.49%-21.00% APR based on creditworthiness. This APR will vary with the market based on prime rate. APR for cash advances- 9.49%-21.00%, when you open your account based on creditworthiness. This APR will vary with the market based on prime rate. 2A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle proceeding the date of which the entire new Balance is paid in full or until the date of payment if more than 25 days from the closing date. 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. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of credit purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle, any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.
Residents of Illinois may contact the Commissioner of Banks and Trust for Comparative Information on interest rates, charges, fees and grace periods. State of Illinois - CIP, P.o. Box 10181, Springfield, Illinois 62791; 800.634.5452 /10
FAQs Regarding Credit Card Changes
APPLY FOR A NEW CREDIT CARD HERE!
Balance Transfers:
To transfer a balance from another credit card to your IMCU MasterCard®, follow the instructions below:
- Login to Digital Banking
- Click on the Credit Card Tab, Select the Card You Want the Transfer to & Click "Submit"
- Select the "Services" Tab at the Top of the Page, and Click on "Balance Consolidation"
- Follow the instructions!
If you have any questions regarding a balance transfer, please contact Member Services at 866.570.1991
Important Phone Numbers:
- Member Service - 866.570.1991
- Lost/Stolen - 800.449.7728 (If out of the country, call collect 727.299.2449)
- Card Activation - 800.631.3197
- PIN Now - 888.886.0083
- Rewards - 800.637.7728
Payment Address:
P.O. Box 71050
Charlotte, NC 28272-1050
Previous Credit Card Program Details
If you hold a credit card from the program offered prior to 9.23.2018, please refer to the terms and details in the chart below.
legacy card (former Visa Platinum®) | legacy card (former Visa Classic®) | legacy card (former Visa Gold®) | legacy card (Former Mastercard®) | |
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Annual Percentage Rate (APR) |
4.9%3 1st 6 months |
9.9% Non-Variable
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13.96%
Non-Variable
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10.80%
Non-Variable
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12.96%
Non-Variable
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Rewards | Earn 1 point for every $1 spent and redeem for travel or merchandise | N/A | Earn 1 point for every $1 spent and redeem for travel or merchandise | N/A |
Annual Membership Fee | No Fee | No Fee | No Fee | $10.00 |
Paying Interest |
25 days4 |
25 days4 | 25 days4 | 25 days4 |
Late Payment Fee | $18 | $18 | $18 | $18 |
Foreign Transaction Fee | If a foreign transaction involves a currency conversion, a fee of up to 1% of the transaction amount will be assessed. If the foreign transaction does not involve a currency conversion, a fee of up to 1% of the transaction amount will be assessed. |
Former Share Covered Mastercard®
- Rate – 12.96% APR¹
- $10 Annual Fee
- Travel Accident & Credit Insurance