Cut your credit card rate with MCT
With great low rates, no balance transfer fees, and no annual fee, we can save you hundreds of dollars up front and thousands of dollars on interest payments when you transfer balances from other credit cards to an MCT Visa. Call 301.948.9880 today to find out how much you can save!
| Apply Now | Calculator | Store Discounts | Credit Limit Notices | Using Credit Wisely |
Visa card options:
|
Visa Platinum Rewards2 |
Visa Platinum2 |
Visa Secured |
Student Visa4 |
|
| APR for Purchases/Cash Advances/Balance Transfers |
As low as 11.25% APR1 |
As low as 9.25% APR1 |
18.00% APR1 |
13.90% APR1 |
| Rewards program |
|
No |
No |
No |
| Credit Limit |
Up to $20,000 |
Up to $20,000 |
Up to $500 | $250 to $500 |
| Grace Period for Repayment of Balance3 |
25 days |
25 days |
25 days |
25 days |
| Balance Calculation Method for Purchases/Cash Advances/Balance Transfers |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
| Annual Fees |
$0 |
$0 |
$0 |
$0 |
| Minimum Finance Charge |
None |
None |
None |
None |
| Late Payment Fees |
$25 |
$25 |
$25 |
$25 |
| Over-the-limit Fees |
$25 |
$25 |
$25 |
$25 |
| Transaction Fee for Purchases/Cash Advances/Balance Transfers |
$0 |
$0 |
$0 |
$0 |
| NSF Check Return Fee |
$30 |
$30 |
$30 |
$30 |
1 Rate based on Prime rate as listed the preceeding month. Rate based on evaluation of applicant’s credit. Other rates are available.
2Your APR may vary. The rate for purchases, cash advances, and balance transfers is determined monthly by adding 8% to the Prime Rate as published in the Wall Street Journal two days prior to the beginning of the new month.
3 There is no grace period for cash advance transactions.
4 A parent or guardian’s signature is required for members under 18 years of age to apply for a loan.
Protect your Visa card online with a personal password. Visa provides reassurance that only you can use your Visa card online. Learn more about the benefits of Verified by Visa.
When traveling out of the country please remember
Prior to traveling out of the country, please let MCT know which countries you will be visiting and the dates. We will place a memo on your account, which will prevent your Visa Check Card and Visa Card from possibly being blocked due to unusual activity in those countries
