A picture of the MCECU Mastercard Platinum Rewards Card.

Mastercard® Platinum Rewards Card

Enjoy a world of difference with a credit card from Memphis City Employees Credit Union. Our Mastercard® Platinum Rewards Card is designed with your best interests in mind so you can buy what you want without worrying about the fine print.

Benefits at-a-glance:

  • Worldwide acceptance at over 52 million places.
  • No annual Fee.
  • Liability protection for unauthorized purchases(1).
  • Chip Technology.
  • Contactless Technology.
  • Mastercard ID Theft Protection.
  • Minimum payment of 2% or $20 whichever is greater.
  • 25-day grace period on purchases.
  • Access to cash at over 100,000 ATMs worldwide.
  • Convenient viewing online account activity and balances.
  • Earn Rewards.
1. Certain restrictions apply. See www.mastercard.us/zero-liabIlity for details.  
Apply for your Credit Card today!

Balance Transfer Promotion 

A woman uses a credit card to buy online.

Transfer a balance from another Credit Card to your MCECU Platinum Rewards Card and receive 0% APR* for 12 months.

  • 0% intro APR* for 12 months on balance transfers.
  • After the promotional offer expires remaining balance will migrate to the standard APR* applicable on your account.
  • No balance transfer fee!
  • Minimum transfer amount of $50.00.

With this special offer you’ll save money when you transfer high-rate balances to your Memphis City Employees Credit Union Mastercard Platinum Rewards Card between March 1 and August 31, 2022.

It’s simple! From your online or mobile banking, go to the Card Management Widget, select Balance Transfer, fill out the required information and the Transfer Amount. MCECU will make payment to the credit card company for the requested amount and add that amount to your current balance, so you can start saving money today!   For assistance, call 901-321-1200 or toll free 1-877-825-3180 during our business hours and a member of our call center will be happy to assist you. After hours you may call 866-820-3867 for assistance.

If you choose to accept this offer, the following shall apply:

  1. You may do a balance transfer to transfer balances from your other credit cards.
  2. You may not request a balance transfer to pay on any MCECU accounts.
  3. You may do a balance transfer for a minimum of $50 up to your available credit limit.
  4. If you currently have any amount in a billing dispute with another issuer, we recommend it not be transferred, because you may lose your billing dispute rights. We are not responsible for any late payments, finance charges, disputed amounts, or errors on your other accounts.
  5. Transferring balances will not automatically close your other accounts. If you choose to do so, please contact each company directly.
  6. Please continue to make at least the minimum payment on your other credit cards until you see the balances have been transferred.

Don't have our Mastercard Platinum Rewards Card? Apply Now! After you receive your new card, you are eligible to make transfers too!

*APR for Balance Transfer Transactions

0.00% Promotional APR through 12 billing cycles.

After 12 billing cycles, 7.9% - 16.90% APR based on your credit score at account opening    

Minimum Transfer Amount $50.00 for each balance transfer transaction.
Use by Date You must transfer a balance by August 31, 2022 for the Promotional APR to apply.  If you transfer a balance after that date, we will still honor it, but you will not receive the Promotional APR.  Instead, the standard 7.9% - 16.9% APR based on your credit score for cash advances will apply.
Fee None
Paying Interest Interest charges on balance transfers begin on the transaction date.

* Annual Percentage Rate. 

Special rates are valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. Your special rate will not apply for balance transfers made payable to you, cash, or to make payments toward amounts you owe Memphis City Employees Credit Union. Continue to make your monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. Memphis City Employees Credit Union will not be responsible for any finance charges or late fees incurred due to your nonpayment.

Any balance transfers processed after the promotional period will incur finance charges at the standard rate. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with high APRs prior to balances with low APRs. The promotional APR will remain in effect for 12 credit card billing cycles from the transaction date. New purchases and cash advances will carry your card’s current rate. Transfers must be made by August 31, 2022. There is a minimum transfer amount of $50.00 for each balance transfer transaction.


Earn Reward Points on Every Purchase! 

A man laughs while holding a credit card.  
Do you like getting rewards? Of course, who doesn't? With CU Rewards, you can earn reward points every time you use your credit card. It's that simple. For every dollar you spend, you earn a point. If you earn enough points, you can redeem them for rewards like gift cards, merchandise, travel, and much more! Start getting rewards for using your card now.


The CU Rewards Logo.

See where your Rewards can take you!  

  • Earn 1 point for every dollar you spend
  • Transaction history online – view and track how your rewards are earned based on each transaction
  • Points earned expire after 60 months 

Go on, Reward Yourself - You've Earned It!

  • Cash Back
  • Statement Credit 
  • Merchandise:
    • You can select from thousands of items, just like shopping online, thru our loyalty website
  • Travel options available in the program:
    • Air
    • Hotel
    • Cruise
    • Rental Car
  • Gift Cards: Thousands of gift cards included in the Rewards catalog ranging in denominations of $25 - $500
View more information (PDF 2.39 MB)

To register and to claim your rewards, please visit: 

To speak to a Rewards Representative, call Mastercard Rewards at 1-866-597-1575. 

Apple Pay, Google Pay and Samsung Pay Information

Our Mastercard Platinum Rewards Card is currently available with Apple Pay, Google Pay, and Samsung Pay. Visit this link for more information: 

Important Phone Numbers

During normal business hours, contact our Member Service Center at 901-321-1200 or Toll Free at 1-877-825-3180. After hours and on weekends, please call 1-866-820-3814. For lost or stolen cards, please call 1- 800-449-7728. For disputes call 1-888-918-7322. To set your personal PIN Number call 1-888-886-0083. 

A man holds a credit card as he inputs information into a laptop.

Access Mastercard Online

Log in to access your online account, or register for
an account today!

How To Do a Balance Transfer

Are you carrying balances on high interest credit cards? Reach your 2022 goals by transferring your balances to your Memphis City Employees Credit Union Platinum Rewards Card today!