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Mid Cities Platinum Visa Credit Card card

Mid Cities Platinum Visa Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Good / Fair
Card network
Visa
Regular purchase APR
8.70% to 23.99%, based on creditworthiness, and variable with the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The Mid Cities Platinum Visa credit card from Mid Cities Credit Union is an easy-to-use, no-frills credit card with a competitively low APR and no annual fee. Sometimes known as Mid Cities Financial Credit Union, this financial institution was founded by a group of Compton teachers and has evolved into a credit union with two credit card offerings as well as loan, savings, and checking account services, and much more.

Our review of the Mid Cities Platinum Visa Credit Card

If you are in the market for a credit card that offers low interest rates, low minimum payments, and no annual fee, then the Mid Cities Platinum Visa credit card may be the perfect choice for you. This Visa card from Mid Cities Credit Union is designed for individuals who want to carry a balance while saving money.

With a credit limit of up to $15,000 and competitive interest rates, the Mid Cities Platinum Visa card makes it easy to make big ticket purchases and manage your finances. Additionally, cardholders can take advantage of the low minimum payments, which can help save money in the long run.

As a member of Mid Cities Credit Union, you can also benefit from Sprint’s Credit Union Member Discount Program, which offers a 10% discount on Sprint monthly charges and other exclusive perks.

Online banking with Mid Cities Credit Union allows you to easily manage your credit card statements and accounts 24/7. From viewing account balances to making loan payments, online banking makes it convenient to stay on top of your finances.

Overall, the Mid Cities Platinum Visa credit card is a great option for those looking to save money while building their credit. With its attractive features and simplicity, this card is worth considering for anyone in the Southern California area. Take advantage of the benefits of the Mid Cities Platinum Visa card and start saving today.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • Low APR for purchases and cash advances
  • Credit limit up to $15,000
  • No interest for 25 days
  • Low minimum payments (just 3% of the outstanding balance)

Who this card may suit

  • You live in the Southern California area
  • You will use this credit card for everyday purchases to take advantage of its low interest rates
  • You would like to save money by using a credit card that does not charge an annual fee
  • You want a credit card that does not charge interest for the first 25 days
  • You would like low minimum payments while carrying a balance on their credit card

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR8.70% to 23.99%, based on creditworthiness, and variable with the Prime Rate
Balance Transfer Transaction FeeSee issuer terms
Cash Advance APR8.70% to 23.99%, based on creditworthiness, and variable with the Prime Rate
Cash Advance Transaction Fee3.0% of the amount of the cash advance, or $5, whichever is greater
Foreign Transaction FeeSee issuer terms
Penalty APR12.70% to 28.99%, based on creditworthiness
Late Payment Penalty Fee$7 each billing period for which the minimum monthly payment is not received by five (5) days after due date
Return Payment Penalty FeeSee issuer terms
Over Limit Penalty FeeSee issuer terms

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.

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