MasterCard Platinum Pricing Information

On the record for MasterCard Platinum Pricing Information: a 8.74% purchase APR and no annual fee, filed by Dutrac Community Credit Union. Against the 4,587 filings on this site, that rate lands around the 3rd percentile.

On the face of the filing

The document behind this page is Dutrac Community Credit Union's filed agreement for MasterCard Platinum Pricing Information. The filing runs one page, and It is issued on the Mastercard network.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate and a foreign transaction fee.

The purchase APR against the corpus

Ranked against the corpus, this purchase APR — 8.74% — sits at approximately the 3rd percentile and sits in the bottom few percent of everything filed.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

The cost of carrying a balance

The purchase rate turns a $4,000 revolving balance into roughly $365 of annual interest.

Priced at the median of 21.99%, that balance would generate about $983 in a year — so this agreement comes in around $618 cheaper for the same debt.

Broken down to a single thirty-day cycle, the same balance accrues roughly $28.83.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Where the fees are

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Taking cash against the card means a cash advance fee of 1% and a cash advance APR of 8.74%.

Transferred balances are priced at 8.74%; no separate transfer fee was captured from the filing.

Penalty pricing and late fees

On the fee side, a late payment can cost up to $15, which is around the 11th percentile here.

Grace period and minimum charge

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

Inside Dutrac Community Credit Union's filed lineup

Dutrac Community Credit Union has 4 agreements indexed on this site. Across that lineup purchase rates span 10.24% to 14.9%; this filing's 8.74% sits above 0 of the comparable ones.

What the filing does not tell you

This page cannot tell you a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Reading the agreement yourself

This summary stands or falls on the linked PDF — one page. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

At 8.74% the purchase rate is low relative to this corpus, which is the clearest thing the filing has going for it on cost. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.