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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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Visa Platinum
Low Rate, No Frills
Our popular Platinum card offers low rates, and no annual fee. This is the perfect card option if you carry a balance or want an introductory balance transfer offer.
Apply Online 
At a Glance
Enjoy a Low Interest Rate
With Visa Platinum, you'll get our lowest rate credit card to help you pay off those pesky high-interest department and credit cards you have elsewhere.
Instant-Issue Cards
Need a card now? Walk into any branch to apply and walk out with a new card today.
Balance Transfers
Transfer high interest credit card bills you have elsewhere to pay off bills or consolidate debt.
No Annual Fee
No extra yearly costs to have our card, keeping more money in your pocket.
LifeLock ID Navigator
Help protect your identity and prevent fraud with proactive monitoring and alerts.
features & Benefits
Helpful Account Options
Explore the features that make our credit cards a smart choice for managing your finances with confidence.
special offer
Save Money with a Balance Transfer Intro Rate
Take advantage of a 3.99% APR intro rate on cash advances and balance transfers for 12 months (first 90 days), then 12.99%-18.00%.1
personalized support
Expert Guidance Every Step of the Way
Our experienced team takes the time to thoroughly assess your needs, ensuring you receive a loan solution perfectly tailored to you with support from beginning to end. Call (863) 284-5626 or toll free (855) 560-5626.
Mobile App
Manage Your Money Easily
With mobile and online services, it's like having a MIDFLORIDA branch with you 24/7.
Calculator
Estimate Potential Savings
We may be able to save you money when you transfer high-interest credit card balances you have elsewhere to your MIDFLORIDA credit card.
Other products & services
Explore More Banking Options
We offer a range of valuable products and services designed to meet all your financial needs.
Visa Platinum FAQs
We use a method called "average daily balance (including new purchases)."
An Introductory Rate will be cancelled, and the Penalty APR disclosed above will apply if you become 60 days or more past due.
We use the highest Prime Rate listed in The Wall Street Journal on the last business day of each month.
If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance APR of 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.
To request a copy of your current credit card disclosure, which may be different than the disclosure on new accounts listed above, please contact the MIDFLORIDA Help Desk at (863) 688-3733 or toll free at (866) 913-3733 and allow 10 days for delivery.
To report a lost or stolen credit card, please call (866) 820-3935, available 24 hours a day, 7 days a week.
Paying off credit card debt is not an easy undertaking. Use our Credit Card Payoff Calculator to see how long it will take to say goodbye to this debt.
The Visa Account Updater service will automatically update old card numbers with merchants who keep your card on file, so payments can process without interruption or action from you.
You may opt out of the Visa Account Updater service to keep your card from automatically updating.
How it works
Terms of Service
Rates, costs and fees for our Visa Platinum Card.
| 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. |
Penalty APR and |
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 |
ADDITIONAL INFORMATION |
Visa Platinum Terms and Conditions PDF |
Transaction and Penalty Fees
| Balance Transfer | $20.00 or 2% of the amount of each transfer, whichever is greater. |
| Cash Advance Fee | $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. |
| Late Payment | Up to $25.00 if your payment is late. |
| Over-The-Credit Limit | None |
Returned Payment |
Up to $25 if your payment is returned for any reason. |
1. 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. Promotion valid as of November 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. Please see the disclosure that is given to you. The information about costs of the card is accurate as of November 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.
Membership and eligibility requirements apply.
