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Low Rate Platinum Visa


Our Best Rate

We have created our Low Rate Platinum Visa 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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Through October 31, new and existing cardholders enjoy 3.99% APR^ on balance transfers for 12 months!


Highly Competitive Rates

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

No Balance Transfer Fee

UMassFive not only offers a great interest rate, we also save you money by helping you avoid common fees. We do not charge a fee for transferring funds from another credit card to our Visa Credit Card.

No Annual Fee

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

Trusted Security

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

  • 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.

Low Rate Visa Platinum Card Rates

Product Annual Percentage Rate Max Term Limits
Low Rate Visa Platinum Credit Card 9.75% - 13.75% Revolving $25,000.00

Ready to apply for your Low Rate Credit Card?



For disclosures and additional details, visit here.


^ APR=Annual Percentage Rate. The 3.99% promotional rate will be applied to all balance transfers made between August 15, 2020, and October 31, 2020 and will carry the promotional rate until 12 months after your first balance transfer is made. After this date your remaining balance will revert to your regular approved stated rate. You cannot transfer balances from other UMassFive accounts. Be sure not to transfer any disputed purchases or other charge amounts, as you may lose your dispute rights. Transfer may take up to 3 weeks to process; it is your responsibility to continue to make any necessary payments due on your credit cards and loans until the transfers have been completed. This promotional offer ends October 31, 2020 and no transfer will be made after this date at the special promotional 3.99% APR rate.