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ASU Platinum Credit Card Review

ASU Platinum Credit Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent / Good Credit
Card Rating:
ASU Platinum credit card, issues by MidFirst Bank, one of the largest privately owned Bank in the United states and huge establishment even being a private owned provides them and their customers a good Branding and contends adequately with bigger banks as far as items and administrations, however, gives clients the administration and adaptability of a group bank.

With their great services, loyalty to the customers either in character or in personal commitments, they are also solid supporters of few section of the society they are serving, putting time and money in vital educational, beneficent and urban associations.

With more than half a million customers nationwide, They do provide a very friendly, noteworthy services like free access to over 100 ATM's, 24-hour Banking services, either it is Telephone, Mobile or Online Banking. With more than 10 Billion $ in assets, more than 1 Billion $ in regulatory capital, It is one of biggest secretly held financial foundations in the U.S.

Arizona state university (ASU), banded together with Midfirst Bank to provide ASU platinum credit card, so if you are either a student or faculty member of ASU and keen for a credit card adapted specifically towards your school, then this is for you. Apart from ASU Platinum credit card, they also offer many other credit cards as well varying upon their purpose to use like ASU Rewards credit card, ASU Mastercard debit card and ASU MasterCard gift card.

ASU Platinum Credit Card Details


  • Lower APR – a good option for customers who are more likely to carry a balance110
  • After the introductory 0% APR for the 1st 12 billing cycles your rate for purchases and balance transfers will be based on your creditworthiness (between 10.74% to 18.74% APR) and will vary based on the prime rate (up to 24.99%)110
  • No annual fee110


Max. Rewards: N/A
Sign-up Bonus: No


Purchase Intro APR: See terms
Purchase Regular APR: 10.74% to 18.74%110 (APR is subject to change)
Cash Advance Fee: See terms
Cash Advance Regular APR: 24.99%110 (APR is subject to change)
Balance Transfer Intro APR: See terms
Balance Transfer Regular APR: 10.74% to 18.74%110 (APR is subject to change)
Balance Transfer Fee: See terms
Annual Fee: None

ASU Platinum Credit Card Benefits

ASU Platinum credit card comes with great benefits for the ASU students and faculties, with every you make using the card, you would support Arizona state university and contributing to a charity in educational, social and urban associations. Everything will be accounted for either you used your card to buy your grocery or pizza, MidFirst Bank will do the rest. According to their website, which says In a matter of 5 years, They had been able to generate 1.6 Million $ as funds for the university.

Few noteworthy benefits of ASU card for any cardholder as compared to other credit cards are as:

1. Lower APR as compared to other credit cards, which is utmost for the cardholder who carries and maintains a good credit.

2. No Annual Fee.

3. 0% Introductory APR for 1st 12 Billing cycles for any purchases and Balance transfers, and after that It normally varies between 10.74%-18.74% based on the prime rate, however it may even reach up to 24.99%.

4. The primary benefits include their easy to access, and convenient for new users.

Online Account access: (Using your smartphone) With a new look and refreshed route, the MidFirst Bank Mobile App has been completely updated to improve your portable keeping money encounter.

Supporting both on Android and iPhone, App will give an enhanced client encounter while as yet giving the comforts you have generally expected from versatile managing an account with MidFirst, including portable store, charge pay and People Pay.

5. Multiple payment options for the easy access to users: Online Banking, MidBank mobile App, Phone, Mail. Also, User would have the option to visit Midbank First Banking centre for any account handling issues or transaction. You may search a Branch near your location on the website. You may check for any ATM as well near your location.

Basically, the most primary benefit of ASU platinum credit card is their lower APR for any cardholder who maintains a good credit in their account.

ASU Platinum Credit Card Drawbacks

1. APR for Purchase: After 0% introductory APR for 1st 12 billing cycles, for any platinum credit card holder, it would vary between 10.74%-18.74%.

2. APR for Balance transfers: Similarly, for Balance transfer as well, after 1st 12 Billing cycles with 0% introductory APR, It would vary between 10.74%-18.74% based on your creditworthiness. And it would vary based on the market prime rate.

3. APR for cash advances: APR for cash advances is 24.99% which is comparatively high than few of other credit cards.

4. Penalty APR: In the mere case of making a late payment, Go over your credit limit or making a payment that has been returned either due to low credit or any reason, In all the cases, penalty APR would be up to 24.99% based on your creditworthiness.

5. With zero Annual fees which are utmost for any credit card holder, but It has transaction fees either it is Foreign transactions, cash advances, cash equivalent, or Balance transfer.

Balance Transfer: Either $10 or 3% of the measure of each Balance Transfer, whichever is more noteworthy.

Cash Advance: Either $10 or 5% of the measure of each Cash Advance, whichever is more noteworthy.

Cash Equivalent: Either $10 or 5% of the measure of each Cash Equivalent Transaction, whichever is more noteworthy.

Foreign Transaction: 3% of the U.S. dollar measure of every exchange made in an outside money or made in U.S. dollars that are prepared outside the United States. This charge will be notwithstanding some other material expense.

6. Also, There is penalty fee, in the case of late payment, it would up to 24.50$, and in the case of returned payment, It would be up to 25.00$.

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