An MTC Federal Platinum Mastercard gives you convenient purchasing power at low rates, plus you’ll be rewarded for every dollar you spend! It’s time to trade in your current credit card for something better and start getting the credit you deserve.

Rewards Program

With our rewards program, each $1 you spend earns you points that are redeemable for hotels, airline travel, luggage, gift certificates, electronics and more.

Rewards Website

To redeem rewards, log-in to MyCardInfo or call 877-769-7795.

Current Rates

Interest Rates and Interest Charges
Introductory APRs for Purchases, Balance Transfers and Cash Advances6.90% to 14.90% based on creditworthiness.**
Excludes Secured Credit Cards.
Standard APRs for Purchases, Balance Transfers, and Cash Advances8.90% to 17.90%
This APR will vary with the market based on the prime rate*
Penalty APR and When It AppliesN/A
Paying InterestYour 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.
Minimum Interest PaymentIf you are charged interest, the charge will be no less than $1.50.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at:
Set Up and Maintenance FeesPlatinum Annual Fee: None
Secured Platinum Annual Fee: $40.00 (Secured Credit Card Only)
Transaction FeesBalance Transfer Fee: None
Cash Advance Fee: 3% (Minimum $5.00, Maximum $30.00)
Foreign Transaction Fee: 1% of transaction
Card Replacement Fee: $10.00
Penalty FeesLate Payment Fee: $25.00
Over-the-Credit Limit Fee: $25.00
Returned Payment Fee: $31.00
* Variable Rate Information: Your APR may vary. Variable Rate Feature: The Mastercard credit cards have a variable rate feature meaning that the Annual Percentage Rate (corresponding to the periodic rate) and the term of your Mastercard loan may change due to interest rate fluctuations. The Annual Percentage Rate (APR) includes only interest and no other costs. In no case shall the Standard APR be less than 8.90% regardless of the applicable index and margin, unless specifically applicable laws and/or regulations require we use a lower APR.
** Introductory rates are good for 12 months on transactions posted within 30 days from the date that your new account is opened. After this introductory period, your new rate will be the standard APR. (See cardholder agreement for details)

Get Started

Apply Card Account Access

If you have questions or need assistance, please contact us at 800-442-7792 or visit a branch near you.

To report your credit card lost or stolen, please call 888-699-1048.