Check your credit card rate in just 2 minutes –
without affecting your credit score!
See a brighter financial future in just 2 minutes!
Whether you want to consolidate debt or simply secure a lower APR* – we've made it fast, easy, and safe to check your rate.
With a NASA Federal Platinum Advantage Rewards Credit Card, you'll enjoy:
- Low rates for faster debt reduction
- Rewards on every purchase
- Fraud protection & lock/unlock ability
- No annual or balance transfer fees
Digital Shopping Safer Than Ever
Pay on the go with your smartphone, or from the comfort of your home, all with your trusted NASA Federal card.
VISA Click to Pay makes shopping online fast, easy and secure.
Use your smartwatch or smartphone phone to make purchases on sites, in apps, and in stores.
Check your rate today and get peace-of-mind protection, including lock/unlock capabilities, 24/7 emergency assistance, fraud protection, and so much more.
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1See Terms and Conditions below.
PLATINUM ADVANTAGE REWARDS TERMS & CONDITIONS
| NASA Federal Platinum Advantage Rewards Credit Card Terms and Conditions | |
|---|---|
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR)* For Purchases | [[CC PAR Purchase Range]] when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. |
| APR For Balance Transfers | [[CC PAR BT Promo Range]] Annual Percentage Rate (APR) is valid only on balance transfers made within 90-days of account opening for qualified applicants, based on creditworthiness and other factors. The [[CC PAR BT Promo Range]] APR will remain in effect for the life of balances transferred from non-NASA Federal credit cards within the first 90-days of account opening. Balance transfers made after 90-days of account opening do not qualify for the [[CC PAR BT Promo Range]] APR. Otherwise [[CC PAR Purchase Range]] based on creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR For Cash Advances | [[CC PAR Cash Advance Range]] based on creditworthiness This APR will vary with the market based on the Prime Rate. |
| How to Avoid Paying Interest on Purchases | Your due date is the 18th of each month. We will not charge you 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 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 https://www.consumerfinance.gov/learnmore/. |
| Fees | |
| Annual Fee | [[CC PAR Annual Fee]] |
| Transaction Fees | Balance Transfer: None Cash Advance: [[CC PAR Cash Advance Fee]] Foreign Transactions: None |
| Penalty Fees | Late Payment: $25.00 for the first time late within prior six (6) billing periods; otherwise $35.00. Over-the-Credit Limit: [[CC PAR Over-the-Limit Fee]] Returned Payment: $25.00 for the first time late within prior six (6) billing periods; otherwise $35.00. |
| Other Fees | Card Replacement: $5.00 if your account is subject to a Card Replacement Fee, a fee will be charged for each replacement card that is issued to you for any reason. |
How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases)."
Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. Any existing balances on NASA Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Loss of Introductory APR:
We may end your Introductory APR for balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.
Effective Date:
The information about the costs of the card described in this application is accurate as of: January 1, 2024
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Platinum Advantage Rewards, Visa Platinum Cash Rewards, Visa Classic and Visa Classic Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.
Other Fees & Disclosures:
Late Payment Fee:
$35.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
Cash Advance Fee (Finance Charge):
$5.00 or 3.00% of the amount of each cash advance, whichever is greater.
Card Replacement Fee:
$5.00.
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Checking & Savings
Your savings federally insured to at least $250,000 and backed by the full faith & credit of the U.S. Government. NMLS #486583.
Confidential information such as account numbers and social security numbers should not be sent by email for security reasons. Instead, please contact us directly at 1-888-NASA-FCU, send us a secure message through Online Banking or Mobile Banking, or visit your nearest branch.
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