MCCCU Credit Cards

Credit union credit cards are some of the best around! MCCCU MasterCard Platinum Rewards cards offer:

  • $0 Balance Transfer Fees
  • $0 Cash Advance Fees
  • Earn when you swipe with our rewards program
  • Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay available


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What benefits are associated with my MCCCU Platinum Rewards Card?

Great question! You can click here to see a complete list of the benefits associated with your MCCCU Platinum Rewards Card. If you have a Platinum Business Card, you can click here to see the full list of benefits.

When can I expect to receive my MCCCU credit card?

MCCCU credit cards typically arrive at your door 7-14 business days after you place your order.

Is it possible to get my card sooner than 7-14 business days?

Yes, however there is a charge associated with placing a rushed card order. To find out more about this process and the charge associated with it, give us a call at 734.242.3222 and a Contact Center Specialist will help you out!

Am I able to add an authorized signer to my MCCCU credit card?

Yes, you can add an authorized signed to your credit card. All we need is identifying information for that person.

How do I make a payment on my MCCCU credit card?

If you have online banking, you can transfer funds from your MCCCU accounts and apply to your credit card. This payment will reflect on the card within 1-2 business days. If you do not have an online banking account with MCCCU, you can access your card by clicking here

If you utilize a bill payment system to make your credit card payment, make sure you are using the correct payment address:

P.O. BOX 37603

Philadelphia, PA 19101-0603

You can also make your payment by calling in to our call center or stopping in at any one of our 5 locations.

Can I request a limit increase on my MCCCU Credit Card?

Yes! If you already have a Credit Card with MCCCU, you will need to fill out a mini app and authorize MCCCU to pull your credit. This process is typically completed within one business day and any approved increase will be reflected on your account the following business day.

What is a balance transfer?

A balance transfer is when you transfer funds from a higher interest credit card (such as a department store card) to a card with a lower interest rate. We are glad to say we offer fee-free balance transfers that are beneficial because it saves you money (sometimes a substantial amount!) on interest charges. Balance transfers to MCCCU are processed as purchases, which is also important because we don’t charge you a higher interest rates like you would find on a cash advance.

Is there a fee to process a cash advance on my MCCCU Credit Card?

No, we are glad to say there is no fee associated with a cash advance from an MCCCU credit card! 

Please note: We are no longer able to process cash advance requests for VISA cards in our branches. VISA cash advances can still be processed through our ATMs--if you need any assistance with doing a cash advance through an ATM, we're happy to help!

Can I change my Credit Card payment due date?

No, due dates are established when you open the line of credit.

Is there a grace period from my due date?

You have 5 days after your due date to make your payment before a late fee is applied.

How do I access my MCCCU credit card rewards?

To access and redeem your Platinum Rewards points, visit!

What do I do if my credit card is lost/stolen?

If your MCCCU credit card has been lost/stolen you should call 800-449-7728. Representatives are available 24/7 to help you manage the loss of your card.

What do I do if I believe my credit card has been compromised?

If you believe your card has been compromised, call 800-449-7728. They will walk you through the process of filing a fraud claim, ordering a new card if necessary, and getting your account straightened out. Representatives are available 24/7 to help make you whole again.

How do I order a replacement credit card?

You have two options to order a replacement—you can come in to one of our 6 locations and speak to an MCCCU representative or you can call 800-449-7728 and request a replacement over the phone.



Credit Cards
Effective Date: Tuesday August 20, 2019
APR* RangeEstimated Payment
9.99% - 17.99% 3% of balance**
*APR = Annual Percentage Rate. Lowest rate is for top tier credit. Click here for full card disclosures.
**Payment will be 3% of balance owed or $25, whichever is greater

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