Platinum Visa® Credit Card

Do you want a generous credit line with a premium rate or are you hoping to consolidate your debt? Then this card is made for you! MMFCU’s Platinum Visa® credit card boasts no annual fee, low interest rates, and robust fraud protection, allowing you to pay with confidence.

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Adulting Starts Here.

Build your credit with MMFCU’s Platinum Visa® Credit Card, with up to $1,500.00 in available credit and 0% APR** on purchases for the first 6 months!

Why Choose a Credit Builder Credit Card?

In addition to MMFCU’s Platinum Visa® benefits, the Credit Builder Visa® also features:

• Establishing or repairing your credit. Each time you make an on-time payment, you improve your credit score!
• A great rate to get you started. With 0% APR for 6 months on purchases, you can enjoy interest-free payments while you learn the responsibilities of making on-time payments.
• Grow your credit limit. Starting with a lower credit limit doesn’t mean you have to stay there! If you want more purchasing power, you can increase your limit after 12 consecutive on-time payments.

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For Rewards Visa® Credit Card Holders

Do you have a current MMFCU Rewards Visa® Credit Card? Click the link below to log in to view or redeem your points.

Click here to view our Visa® Agreement.

Reward Card FAQ’s
What is uChoose Rewards?

uChoose Rewards is a rewards program enabling you to earn points when
you make purchases using your MassMutual Federal Credit Union Visa
Platinum. These points can then be redeemed at the point of sale with our
Pay with Points program OR online for cash back, gift cards, Apple products,
travel, and even merchandise from BestBuy.com.

Where can I earn points?

You earn points everywhere in the United States your card is accepted per
the rules set by your financial institution.

How do I earn points?

You earn points by making qualifying purchases using your MassMutual
Federal Credit Union Visa Platinum. Your Financial Institution will also make
special offers available for activation when logged into your uChoose
Rewards online account, including merchant-funded bonus offers.
Some merchant-funded offers require redemptions to be made through the
“Shop Now” or “Visit the retailer website” link in the offer.

How do I know which merchant-funded offers have been activated for
which cards on my account?

Activation of any offer is applicable for all cards on your account.
This does not apply to linked accounts, however. You will need to log into
the uChoose Rewards account associated with any linked accounts and
activate offers for cards on those accounts.

What if I shopped at a participating retailer, but I don’t see the points in
My Rewards?

It can take up to 60 days from the date of your transaction (or 60 days
after travel completion) for transactions to appear on the My Rewards tab
and points credited to your account.

Can I share points with family members or coworkers?

Yes. All cards associated with an account will automatically earn points
together. If you have multiple accounts with MassMutual Federal Credit Union, and
your financial institution allows for linking accounts, you can link them
together from the My Account page of the uChoose Rewards site. You will be
required to go through multi-factor authentication to link accounts.
For debit business accounts, all cards on the account are linked to earn
points but the designated business owner is the only cardholder who can
redeem points for the business.
For credit business accounts, individual accounts from the same company
are automatically linked.

Where can I view my point activity?

Click on My Rewards to view all the points you’ve recently earned, how
many are available for redemption, and your redemption history.
You will be able to click on the “Account” tab to see the same details for all
cards on the account or linked to your account.

Do I have to log into my uChoose Rewards account to get my current
balance?

If you log into uChoose Rewards directly at uChoose, then yes, you must
log in to see your most current balance.
The Rewards box on your debit or credit statement CANNOT be relied upon
for balance information.
If you are using Single Sign-on from your online banking or mobile
application, once you have clicked through to the site, accepting the
program Terms & Conditions, you will then start seeing your available
balance on the Rewards widget, visible from that online banking site or
mobile application.
If your financial institution offers Voice support, you can also call
800.940.9466 and request you balance via the IVR.
What if I need to change my password?
If you log into and need to change your password, click on your
name/card number in the upper right corner of the home page. Select “My
Account” and visit the section called “Change Password.”
NOTE: When entering a new password, please review the new 12-character
requirements as stated on-screen.

When can I redeem my points?

Typically, points earned in 1 month are vested and available for redemption
the 1st of the next calendar month..
There are instances where it can take up to 60 days after a transaction date
or travel completion date for your points to be credited to your account..
To redeem your points, you may need to accumulate a minimum points
threshold. Check your uChoose Rewards home page for your current
available balance and any minimum points requirements.
What can I redeem my points for?
Depending on your financial institution’s rules, you can redeem your points
at the point-of-sale with our Pay with Points program or online for cash
back, Apple products, gift cards, hotel rooms, rental cars, airline tickets, or
even merchandise at our Best Buy store.

How do I use my uChoose Rewards points in the Pay with Points program?

For Amazon and PayPal partnerships, you must have your uChoose Rewards
enrolled card in that wallet ideally, as your default card and when selected
during checkout you determine how many points to spend.
If you don’t pay for your entire purchase with points, you will use your
uChoose Rewards enrolled card for any remaining balance.
For the fuel partners, simply insert your uChoose Rewards enrolled card at
the pump POS and if you are eligible an offer will be displayed for you to
select “Yes” or “No.” If you select “Yes” the per gallon price will rollback
accordingly and your savings will be displayed on the receipt. Full-service
and in-store purchases of fuel are also eligible.
There are no minimums for Pay with Points.*
*Please see the offer details for our fuel partners.

How do I know if I qualify to spend points with any Pay with Points
partners?

If you see Pay with Points as part of the “Redeem Points” drop down menu
on your uChoose Rewards online account home page, then your are eligible.
To determine which merchants are included, click on the Pay with Points
option from the Redeem Points menu or the Pay with Points redemption
When I redeem for a product, can I ship my redemption to an address
other than the one MassMutual Federal Credit Union has on file for me?
No, you cannot change the shipping address for a redemption from the
address on file. This is to protect you against fraudulent use of your points.
If you would like to change your address, you will need to contact
MassMutual Federal Credit Union to adjust it.
This also applies to your email address.

Can I ship goods to a PO Box or outside the United States?

We do not deliver to US post office boxes.
No. International deliveries are not permitted.

Can I return items purchased with points? How?

Some redemption items can be returned, and some cannot. To understand
the various redemption processes, please review the respective storefront’s
Redemption Terms & Conditions and processes to follow if returns are
supported.

Can I return merchandise that I purchased with points at the point of sale?

Just as you’d do with purchases made with a card, please consult the
particular merchant’s site for more information.

Whom should I contact if I have a Pay with Points order-related issue?

Please refer to the merchant’s customer support documentation for order related questions.

If I am getting cash back, how do I know to which account it will be
deposited?

Cash back redemptions are deposited in the account you chose on the cash
back redemption screen. Possible destinations include the DDA account
associated with the card with which you logged in, a different DDA account
you specified as the destination account or a statement credit for most
credit card cash back transactions.

What will happen to my points if my card is lost or stolen?

If your card is lost or stolen and a replacement is issued, points will be
accessible by the new card, if it is on the same account. Once you receive
your new card, you will not need to re-register on the uChoose Rewards
website. Simply log in as you do today, and you will see the new card and
current points balance.
If you get a new card and a new account, please ensure your financial
institution manually moves the points from the old account to the new
account within 30 days of the original card’s closure or your points will be
burned off automatically.

What will happen to my points if my card account gets closed?

Outside New York state, you have up to 30 days after account closure to
request the points to be redeemed into cash back deposited in another
account, or converted to a statement credit applied to another account.
If your address on file is within New York state, you have up to 90 days to
request the points be paid out.

What happens if someone manages to get access to my uChoose Rewards
username and password?

Contact your financial institution to conduct an investigation; if necessary,
they will close your card and issue a new one to prevent further fraudulent
activity.

What do I do if I see fraudulent redemptions on my account?

To research any questionable redemptions, you can call the Contact Center
at 800.940.9466 or contact your financial institution to conduct an
investigation; if necessary, they will close your card and issue a new one to
avoid further fraudulent activity.

What if I have other questions not answered?

Please contact your financial institution to assist. 800.940.9466. If they
aren’t sure of the answer(s), they can issue a support ticket.

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*APR = Annual Percentage Rate. Promotional and variable rates are based on credit history. A finance charge will be calculated from the date the purchase posts to your credit card account. All APRs may increase if you default under the terms of your Card Agreement.

**APR= Annual Percentage Rate. APR is the yearly cost of borrowing money on a credit card, expressed as a percentage. After 6 billing cycles, the promotional fixed-rate will convert to the current variable rate in effect. If you fail to make the required minimum payment by the due date, your promotional interest rate may be revoked and any remaining balance subject to the promotional rate will be adjusted to the variable rate as disclosed in your credit card agreement. Your APR may increase if you default under the terms of your Card Agreement. Proof of income or a co-signer with proof of income is required. On-time payment history may have a positive impact on your credit score. Late payments may negatively impact your credit score. MMFCU will report your activities to Transunion®, Experian®, and Equifax®. Limits may increase after 12 consecutive on-time payments. Offer may be withdrawn at any time.