Platinum Rewards Mastercard

5 Percent Cashback at Restaurants

It's not what's in your wallet...it's what you "take out"!

Whether you’re ordering take out, delivery or pick-up from your favorite restaurant, use your Platinum Rewards Mastercard. You’ll not only be supporting your local economy, you’ll also get 5% cash back on your entire purchase - including your food, taxes and the tip.

Remember: Delivery drivers and food preparers are also serving on the front lines of this new world so be sure to tip. A lot.

Gain Platinum Rewards Mastercard

Eat well, stay well, tip well and use your Platinum Rewards to earn well!

Let’s crush COVID-19 together.

Don’t have a Platinum Rewards Mastercard? There's no better time to Gain one.

‡ Earn 1 point (points are also referred to as “Cash Back”) per dollar spent for net retail purchases (qualifying purchases less credits, returns and adjustments) and 5 points per dollar spent for restaurant purchases made with your Gain Platinum Rewards Mastercard credit card at eligible restaurants as designated by us. Eligible restaurants and their associated Merchant Category Codes (“MCC”) are 5812, 5813 and 5814. Purchases made at restaurants that do not process transactions under these “MCC” codes will not qualify and you will not receive bonus points. For complete details see the Platinum Rewards Points Disclosure at gainfcu.com/credit-cards/platinum-rewards-mastercard.html. This promotion is valid for purchases made at the identified Merchant Category Codes from 04/17/2020 through 06/30/2020. See Credit Union for complete details.

Get rewarded with Platinum.

  • 1.99% APR* Introductory Rate
  • 1% Cash Back Rewards on purchases**
  • 2% Cash Back Rewards on gas and grocery purchases**
  • 4.99%  APR* Introductory Rate on Balance Transfer***
  • Special Savings for Benefits Plus® Members
  • NO Annual Fee
  • NO Balance Transfer Fee
  • NO Cash Advance Fee
  • NO Foreign Transaction Fee
  • Easy point redemption in Online Banking

  • MasterCard Global Service

    Provides 24/7 assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs.

  • MasterCard Airport Concierge

    Provides a Meet and Greet agent to assist with flight connections plus, at select airports, expedited security/immigration processing.

  • Extended Warranty

    Doubles most manufacturer or U.S. store brand warranties for up to one additional year.

  • Price Protection

    Can refund the difference if you buy something and then see it advertised for less within 60 days of the date of purchase.

  • Satisfaction Guarantee1

    Can provide a refund of up to $250 if you are dissatisfied with a purchase and the merchant will not accept a return within 60 days of the purchase date.

  • Identity Theft Resolution Services

    Assists you with credit bureau notification and debit card replacement and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.

Platinum Rewards Mastercard

Intro APR* as low as

1.99%

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*APR= Annual Percentage Rate. The 1.99% APR is valid on purchases only, for 6 months from account opening. Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing balances will increase to the new, non-discounted variable rate on the first day of the billing cycle.
**Earn 1 point (points are also referred to as "Cash Back") per dollar spent for net retail purchases (qualifying purchases less credits, returns and adjustments) and 2 points per dollar spent for gas or grocery store purchases made with your Gain Platinum Rewards Mastercard credit card at any eligible gas station or grocery store as designated by us. Eligible merchants and their associated Merchant Category Codes ("MCC")are the following: (1) Gas Stations (MCC codes 5541 and 5542); (2) Grocery Stores/Supermarkets (MCC code 5411, 5422, 5441, 5451, 5462 and 5499). Purchases made at these merchants that do not process transactions under these "MCC" codes will not qualify and you will not receive bonus points. For complete details see the Platinum Rewards Points Disclosure.

***4.99% APR introductory rate is valid on Balance Transfers and Cash advances for a period of six (6) billing cycles. After the discount period expires, the APR will increase to the new, non-discounted rate on the first day of the billing cycle.

 Disclosures and Program Information
Mastercard Agreement          Platinum Rewards Mastercard Benefits Program Disclosure         MasterCard Application Disclosure and Solicitation Disclosure

The National Foundation for Credit Counseling (NFCC) provide free or low-cost individualized, confidential credit counseling in-person and by phone at (877)-316-6322. http://www.nfcc.org