Visa® Platinum Credit Card

Lower rates, lower payments
Save money on monthly payments when you open a Visa Platinum credit card. There are no hidden fees or sneaky charges, just straightforward low rates.

The ultimate low-rate visa credit card

If you tend to carry a credit card balance, it’s important to have the lowest interest rate possible. With the Visa® Platinum credit card from Mountain America, you get our lowest rate, as well as a variety of other benefits.


Credit card benefits

  • Rates as low as 9.49%* APR
  • No balance transfer fees
  • Same-day card issuance or replacement at any branch
  • Card Manager—use the mobile app to freeze your card, change PINs, set travel notifications and more
  • Free FICO® Score access**

Plus, our cards are chip-enabled so you can make transactions securely and confidently.


Put your new favorite credit card in your wallet

The quickest way to apply is through our mobile banking app—get a decision in minutes. You may also apply online, at your nearest Mountain America branch or over the phone at 1-800-748-4302.

Apply online in minutes

Terms and conditions
*Loans subject to credit approval. Variable Annual Percentage Rate between 9.49% - 18.00% APR based on creditworthiness. 1% foreign transaction fee. Membership required - based on eligibility.
**FICO is a trademark of Fair Isaac Corporation in the United States and other countries. FICO score available to primary members only.

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Compare low-rate cards

Compare Mountain America's card to other traditional credit cards.

Most of us (about 3 in 4 Americans) use a credit card.1 That’s why it’s important to pick the right one. Instead of being saddled with excessive fees or astronomical rates, take a look at how Mountain America’s Visa® credit cards stack up to some of the most popular cards in the country.2 It’s an eye-opener.

  Mountain America Visa® Platinum Chase Slate® Citi Simplicity® Capital One® Platinum Zions AmaZing Rate® Amex EveryDay® U.S. Bank Visa® Platinum Bank Americard®
Variable APR as low as 9.49%3
16.24% 14.74% 19.99% 10.74% 14.49% 11.49% 13.49%
No annual fees
No over-limit fee
No balance-transfer fees
Access FICO® Scores for free through mobile banking4
Access to over 85 branches locally5
Pay online with Visa Checkout® using a single sign-in
Change your PIN using the mobile app
Set travel notifications using the mobile app
Same-day card issuance or replacement at any branch
Compatible with mobile wallet apps like Apple Pay™, Samsung Pay and Android Pay™
Verified by Visa online protection
$0 fraud liability if card is lost or stolen
Email and text alerts
Temporarily freeze card to help prevent fraudulent transactions

Apply at your nearest branch, through our mobile banking app or by clicking below.

Apply now

1According to a 2016 Gallup poll.

2Mountain America makes every effort to maintain accurate information. However, the information presented here may be different than that found at a specific financial institution or on a specific product site. All financial products and services are presented without warranty. When evaluating offers, please review the financial product or service terms and conditions. Last updated 4/9/18.

3On approved credit. Variable Annual Percentage Rate ranges from 9.49% to 18.00% based on credit worthiness. 1% foreign transaction fee. Membership required – based on eligibility.

4FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Mountain America Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Mountain America Credit Union and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FICO score available to primary members only.

5More than 85 locations in the Intermountain West.

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Business Credit Cards

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Mountain America also offers business credit cards.