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Low Rate Visa® Platinum


Our Best Rate

We have created our Low Rate Visa® Platinum Credit Card to be both secure and affordable. You won't have to jump through hoops to understand how to avoid being overcharged.

We set our rates to help our members save money.

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Highly Competitive Rates

Our Low Rate Visa Platinum Credit Card offer rates that are competitive within the market.

No Annual Fee

UMassFive does will not charge you an annual fee on either of our Credit Cards.

Mobile Wallet Compatible

Keep your UMassFive Visa Platinum Credit Card right at your fingertips—in store, or in thousands of participating apps—when you add it to your phone’s secure mobile wallet.

Trusted Security

We take security very seriously. Our credit cards have the following enhanced security features to protect you against fraud:

  • My Cards. Self serve card controls built conveniently inside our Online Banking and Mobile Banking app. It allows you to turn your credit card on and off, set spending limits, and even restrict use of the card to a specific geographic GPS enabled location.
  • Visa Real Time Purchase Alerts. Receive a text or email alert each time you swipe your UMassFive Credit Card.
  • EMV Chip technology. 
  • Verified By Visa. Designed to help you keep your transactions and personal information safe.
  • Note: When your Visa credit card is being used in an unusual location or manner, we take notice. Please let us know about your travel plans (such as vacations), to avoid any service interruption. If you believe there is fraud on your debit card, turn off your card by using My Cards and call 413-256-5500 and select Option 6.

Low Rate Visa Platinum Card Rates

ProductAnnual Percentage RateMax TermLimits
Low Rate Visa Platinum Credit Card15.00% - 18.00%Revolving$30,000.00

Ready to apply for your Low Rate Credit Card?