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Platinum Purchasing Power

Our popular Platinum card offers low rates, and no annual fee. Pay off those high-rate credit cards and switch to the only card you need.
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Overview

Enjoy a low interest rate

With a Visa Platinum credit card, you'll get an amazingly low rate  to help you pay off those pesky high-rate department store and credit cards.

$0 Annual Fee
Our Lowest Rate Card
Transaction alerts

Apply Online

Apply online, visit a branch or call us to apply at (863) 284-5626 or toll free (855) 560-5626.

Instant-Issue Cards

Need a new card now? Walk into any branch to apply and walk out with a new card today.  All branches can print your new card on-demand!1

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Features

Explore all the benefits

  • No annual fee
  • Our lowest rate card
  • 3.99% APR intro rate on cash advances and balance transfers for 12 months (first 90 days), then 12.99%-18.00%2
  • Monitor transactions and pay your bill within Online Banking
  • Automated Fraud Alerts to notify you of suspicious activity
  • Payment Protection
  • Transaction Alerts
  • Mobile Wallet with Google Pay, Apple Pay and Samsung Pay
  • Free LifeLock ID Navigator

Extra Card Services

Card and account options
Manage your credit card your way with these convenient features.

Terms of Service

Rates, costs and fees for the Visa Platinum Card3
Annual Percentage Rate (APR) 12.99%-18.00% Introductory Rate for the first 12 monthly billing cycles depending on your credit rating and other factors. After that, your APR will be 12.99%-18.00%. Your rate may increase in the 13th month if Prime increased during the Introductory Period. Thereafter, it will vary with the market based on the Prime Rate.
APR for Cash Advances and Balance Transfers

3.99% Introductory APR for 12 months from the date of account opening. After that, your Standard APR will be 12.99% to 18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate.

Use by date: Cash Advance or Balance Transfer must be added to your account within 90 days of the date of account opening for the Introductory APR to apply to the transaction. Cash Advances or Balance Transfers posted after that date will not receive the Introductory APR. Instead the standard APR for your account will apply. The standard APR may be dirrerent for Cash Advances and Balance Transfers and will be disclosed to you at the time your account is opened.
Penalty APR and When It Applies 18.00% This APR may be applied to your account if your account becomes late 60 days or more. However, if your standard rate is 18.00%, the Penalty APR will not apply. How Long Will the Penalty APR Apply?
You must make 6 payments in a row on time to cancel the penalty rate and have your APR lowered to the rate in effect at the time the 6th on-time payment is made.
Paying Interest Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.
Minimum Interest Charge None
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 at www.consumerfinance.gov/learnmore.
Fees to Open or Maintain Your Account None
Transaction Fees
Balance Transfer $20.00 or 2% of the amount of each transfer, whichever is greater.
Cash Advance $20.00 or 2% of the amount of each cash advance, whichever is greater.
Foreign Transaction 1% of each transaction in U.S. dollars if the transaction involves a currency conversion; 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion.
Penalty Fees
Late Payment Up to $25.00 if your payment is late.
Over-the-Credit Limit None
Returned Payment Up to $25.00 if your payment is returned for any reason.
   

How we will calculate your balance

We use a method called "average daily balance (including new purchases)."

Loss of introductory rate

The introductory rate will be cancelled and the penalty APR disclosed above will apply if you become 60 days or more past due.

Prime rate

We use the highest Prime Rate listed in The Wall Street Journal on the last business day of each month.

Overdraft protection

If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance APR of 12.99%-18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate. In addition, a $10.00 fee will also be added and will accrue interest at the same rates.

Report a lost or stolen Credit Card

To report a lost or stolen Credit Card, please call (866) 820-3935 available 24 hours a day, 7 days a week.

Visa Platinum Terms and Conditions

Notices & Disclosures
1
Business credit cards and card upgrades cannot be issued instantly at a branch and must be mailed.
2
Intro rate for balance transfers and cash advances are for new credit cards only. Existing MIDFLORIDA credit card balances, limit increases, or card upgrades are not eligible for the introductory rate.
3
Promotion valid as of September 1, 2024. Membership and credit approval required. Promotion cannot be combined with any other offer. Cash Advance or Balance Transfer must be added to your account within 90 days of the date of account opening for the Introductory APR to apply to the transaction. Cash Advances or Balance Transfers posted after that date will not receive the Introductory APR. The Annual Percentage Rate for balance transfers and cash advances is 3.99% APR intro rate for 12 months from account opening then a variable 12.99% to 18.00% APR after that. Annual Percentage Rate depending on creditworthiness. Transfers of amounts already owed to MIDFLORIDA are not eligible for the introductory rate. If you transfer an amount related to a transaction you dispute, the dispute does not transfer to us, and you may lose your rights against the other creditor. If you usually pay your purchases in full within the grace period each month to avoid a finance charge, transferring a balance to your account will eliminate the grace period unless you pay the full balance each month. Introductory Annual Percentage Rate (APR) valid for 12 months from account opening for new accounts only. Cardholder has “Use by” period of 90 days to add balance transfers and cash advances at the introductory rate.
4
Please see the disclosure that is given to you. The information about costs of the card is accurate as of September 1, 2024 and is subject to change after this date. Please contact us at Card Services Department, P.O. Box 8008, Lakeland, FL, 33802 for any changes in this information.