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Get the credit you deserve.

MutualBank Classic, Platinum, and Concierge Credit Cards offer low rates and no annual fees. Platinum & Concierge Credit Cards even have the opportunity to earn uChoose Rewards!

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Low Rates. No Annual Fees.

Apply for a credit card online!

MutualBank Visa® Classic, Platinum, and Concierge Cards offer low rates and no annual fees. Platinum & Concierge Credit Cards even have the opportunity to earn UChoose Loyalty Rewards! To get started, apply online, over the phone, or at any one of our locations. After review of your application, we will notify if you are approved and which card you may qualify for.

APPLY NOW 

apply for a credit card online

 

 

Treat Yourself

Credit Card Rewards

Earn rewards YOU can choose, i.e. uChoose Rewards with your Platinum & Concierge credit card purchases! Travel, electronics, apparel, gift cards and more - it's your choice! Get your wish list ready, start adding up points, and then redeem them for things you want.

LEARN MORE & ENROLL  

Manage Your Card

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

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THE DETAILS

Interest Rates, Charges & Fees

 

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases


10.24% to 15.24%

When you open your account, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.*
 

APR for Balance Transfers

0% introductory APR for 6 months on balance transfers requested by May 31, 2019. After that, your APR for those transactions and any other balance transfers will be 10.24% to 15.24% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.*

APR for Cash Advances

10.24% to 15.24% when you open your account, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.*

APR for Convenience Checks

10.24% to 15.24% when you open your account, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.*

Penalty APR and When It Applies

21.00%

This APR may be applied to your account each time your total minimum payment is not received with 60 days of the due date.

How Long Will the Penalty APR Apply?
If your APRs are increased because of a delinquency, the Penalty APR will apply until you make six consecutive minimum payments when due.

Paying Interest

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. We will begin charging interest on cash advances and balance transfers on the transaction date.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.

Fees

Annual Fee

None

Foreign Transaction

$10 or 1% of the amount of each transaction, whichever is less.

Balance Transfer

$10 or 2% of the amount of each transaction, whichever is less.

Cash Advance

$10 or 2% of the amount of each transaction, whichever is less.

Convenience Check

$10 or 2% of the amount of each transaction, whichever is less.

Late Payment

Up to $19.00

Returned Payment

Up to $25.00

Returned Convenience Check

Up to $15.00

 

 

SUBJECT TO CREDIT APPROVAL

HOW WE CALCULATE YOUR BALANCE
We use a method called "average daily balance (including new purchases)". See your account agreement for more details.

*PRIME RATE:
Variable APRs are based on the 5.5% Prime Rate as of 2/25/2019.

LOSS OF INTRODUCTORY APR:
We may end your introductory APR and apply the Penalty APR if your total minimum payment is not received within 60 days of the due date.

PAYING INTEREST AFTER THE INTRODUCTORY PERIOD FOR BALANCE TRANSFERS:
After the introductory period, you must pay off your remaining balance in full each month in order to take advantage of any grace period for new purchases.

EMPLOYEE RATE: 
Employees of MutualBank and its affiliates may receive an employee preferential rate which is a variable rate and falls within the disclosed range of rates. If this applies to you, the employee rate will cease to apply once your employment with MutualBank ends, at which time the market rate will apply. The market rate is currently between 10.24% and 15.24% based on your creditworthiness and other factors, and is subject to change.

 

 



24/7 Support

Looking for Credit Card Customer Service?

Call 855-445-1201 for assistance, day or night.
 


 

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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VISA Purchase Alerts

Get a text or an email whenever you pay with your MutualBank debit or credit VISA® card! Set up other alerts too to keep your account secure. It's free! (your phone provider's message and data rates may apply).

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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?


    https://onlineaccessplus.com/oa/bankwithmutual/

    From this portal, 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 if our Customer Support is not available, call our 24/7 credit card services number at 855-445-1201.

  • 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?

https://onlineaccessplus.com/oa/bankwithmutual/

From this portal, 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 if our Customer Support is not available, call our 24/7 credit card services number at 855-445-1201.

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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