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Get the credit you deserve.

MutualBank Classic and Platinum Credit Cards offer low rates and no annual fees. Platinum Credit Cards even have the opportunity to earn UChoose Loyalty Rewards!

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Low Rates. No Annual Fees.

MutulBank VISA® Credit Cards

MutualBank Classic and Platinum Cards offer low rates and no annual fees. Platinum Credit Cards even have the opportunity to earn UChoose Loyalty Rewards! To get started download the application and mail it in or drop it by a Financial Center near you. After review of your application we will notify you whether you qualify for our Classic or Platinum card.

 

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Purchase APR

12.99% to 13.99%*

Cash Advance APR

12.99% to 13.99%*

Balance Transfer APR

12.99% to 13.99%*

UChoose Rewards 

Yes, only Platinum Cards

Annual Fee

None

Foreign Transaction Fee

1 % of every transaction, US dollars

Late Payment Fee

$17.50

Returned Payment Fee

$15.00

 

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*When you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

Federal law requires us to obtain, verify, and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. To process the application, we must have your name, street address, date of birth, and other identifying information, and we may as for identifying document from you as well as documents verifying your income or other information you provide.

SUBJECT TO CREDIT APPROVAL

Treat Yourself

Platinum Card UChoose Rewards

Earn rewards YOU can choose, i.e. UChoose Rewards with your Platinum credit card purchases! Travel, electronics, apparel, gift cards and more - it's your choice! Get your wish list ready, and start adding up and redeeming those points.

LEARN MORE & ENROLL  

Manage Your Card

Monitor transactions, make payments and more via our online credit card portal.

New Chip Card Portal Non-Chip Card Portal 

Fraud / Identity Protection For You

Security Built into Your Card

New EMV Chip Technology

With new EMV chip technology, a unique "one-time code" for each transaction is generated. This unique one-time code is validated before the transaction is complete - providing you an extra level of security.

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Verified by Visa Service

Verified by Visa is an online security service to guard you against unauthorized use of your Visa card while shopping online at participating merchants. There is no need to get a new card, no software to download, no cost, and no hassles... just added security. Once enrolled in this service, you'll have added confidence knowing that Visa performs an extra authentication step to protect your account from unauthorized users online.

Enroll Now 

We have Answers

Credit Card Frequently Asked Questions

  • Where can I access and monitor my credit card online? What sorts of tasks can I complete via the online portal?

    Where can I access and monitor my credit card online? What sorts of tasks can I complete via the online portal?


    For customers with new EMV chip cards:
    https://bankwithmutual.fdecs.com/eCustService/

    For customers who have a traditional card without the EMV chip:
    https://secure02.bankhost.com/cardviewonlinenow/ecs/

    From these portals, you can register your card, make payments, communicate with MutualBank, and view transactions, statements, and account balances.

  • What determines what my interest rate will be?

    What determines what my interest rate will be?


    A combination of factors are considered when calculating your interest rate, including employment, residence, debt to income ratio, credit limit, and your current relationship with MutualBank.
  • What’s the first thing I should do if I think my card is being used for fraudulent charges?

    What’s the first thing I should do if I think my card is being used for fraudulent charges?


    Contact us as soon as possible at 1-800-382-8031 (option 0), or call the Primax number on the back of your card: 800-944-2726.
  • How long does it usually take to get approved for a MutualBank credit card?

    How long does it usually take to get approved for a MutualBank credit card?


    Our goal is to approve every applicant within 24 hours. However, if your application is received with incomplete information or on a weekend or holiday, it may take a bit longer.
open
Where can I access and monitor my credit card online? What sorts of tasks can I complete via the online portal?
x
Where can I access and monitor my credit card online? What sorts of tasks can I complete via the online portal?

For customers with new EMV chip cards:
https://bankwithmutual.fdecs.com/eCustService/

For customers who have a traditional card without the EMV chip:
https://secure02.bankhost.com/cardviewonlinenow/ecs/

From these portals, you can register your card, make payments, communicate with MutualBank, and view transactions, statements, and account balances.

open
What determines what my interest rate will be?
x
What determines what my interest rate will be?
A combination of factors are considered when calculating your interest rate, including employment, residence, debt to income ratio, credit limit, and your current relationship with MutualBank.
open
What’s the first thing I should do if I think my card is being used for fraudulent charges?
x
What’s the first thing I should do if I think my card is being used for fraudulent charges?
Contact us as soon as possible at 1-800-382-8031 (option 0), or call the Primax number on the back of your card: 800-944-2726.
open
How long does it usually take to get approved for a MutualBank credit card?
x
How long does it usually take to get approved for a MutualBank credit card?
Our goal is to approve every applicant within 24 hours. However, if your application is received with incomplete information or on a weekend or holiday, it may take a bit longer.

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