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Balance Transfer to Money Return Visa Platinum Money Return Visa® Platinum


Money Return Visa Platinum
Intro APR: 0%

 Issuer: Card issued by FIA Card Services, NA.
APR (Purchases): Intro Rate - 0% for six billing cycles. Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Balance Transfers): Intro Rate - 0% for six billing cycles. Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: None
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $500
Maximum Credit Limit: N/A
Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None

Reward Program Details:

  • Customers receive an annual rebate of 10% of their purchase and balance transfer finance charges
  • Rebates of $2.01 or more are mailed via check.
  • Rebates of $2.00 or less are credited to the customer's credit card account.
  • Refunds disbursed in January for the preceeding year.
  • Accounts must be in good standing in order to receive the refund

*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions





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Apply for Money Return Visa® Platinum

Your credit score is used by mortgage lenders to evaluate the level of risk you pose for a mortgage loan. The lower your credit score is the more you will pay for the financing in the form of higher interest rates, fees, and the points you may be required to pay. There are steps you can take to improve your credit (FICO) score; here are several tips to help get you started.

Your credit score is calculated by evaluating the contents of your credit history. It is a numerical representation of your credit worthiness. The most common credit score you will hear about is the FICO credit score, which gets its name from the company that creates it, the Fair Isaac Corporation. There are a number of factors that make up your FICO score. Fair Isaac evaluates your history of on-time payments, the length of your credit history, the amount of credit you have, along with any negative aspects of your credit history including bankruptcies, collections, and write-offs.

How Can You Improve Your Credit Score?

There is no quick fix for credit repair. It takes time to build up a positive history and a dose of self control. The best thing you can do to boost your credit score is to use credit responsibly, pay your bills on time, and maintain low balances on your credit cards. If you have negative information in your credit records you can negotiate with the creditor that placed it there and pay off any bad debt to have that negative removed.

Once you have cleaned up your credit you can begin shopping for a new mortgage loan. Ideally you will want at least two years of solid credit in your records before applying for a mortgage; however, for some homeowners this is not always possible. If you need to refinance your mortgage sooner than this you may have to seek assistance from a bad credit, or “sub-prime” mortgage lender.

Either way, it pays to shop around and compare mortgage offers before you sign for a new loan. When comparison shopping for a mortgage loan, you need to compare all aspects of the loans, not just interest rates or APR. You can learn more about your mortgage options, including common mortgage mistakes to avoid by registering for a free mortgage guidebook.


  • Transfer your balance to Money Return Visa® Platinum

  • Basics

    Your debt to income ratio is a basic measure that mortgage lenders use. It involves:

    • Total monthly debt load
    • Total pretax income
    • Overall ability to pay
    Total Monthly Debt Load Your total monthly debt load that a lender will analyze includes:
    • Credit cards
    • Student loans
    • Car payments
    • Department store cards
    • Other monthly debt payments
    • Your mortgage payment
    This is the sum total of your usual monthly debt payments. In some cases a lender may ignore a debt totally. This is the case, for example, if you have a $500 a month car payment but there are only two more months left on the loan. The lender may choose to ignore this $500 per month debt load because they know if will go away shortly.

    Lenders should be able to figure out the monthly debt balances and when they expire from your credit report, although you should also disclose relevant items to them in your mortgage application.

    Lenders will also factor in the expense of the new mortgage your are applying for. This includes the mortgage payment, property taxes, home owner association dues, hazard insurance, and any other property related expenses.

    Total Pretax Income The lender will add up all your pretax income, which may include:

    • Base salary
    • Sales commissions
    • Bonuses
    • Overtime
    • Rental income
    • Interest income
    • Other income
    All of this income is added together to figure out your pretax income. They may take an average of your past year’s monthly earnings. Temporary jobs or seasonal work may not be added into this total because it is not considered regular work or income.

    Total Overall Ability To Pay The lender will compare the borrower’s total overall monthly debt load with their monthly pretax income.

    If a borrower’s pretax income is $10,000 and their monthly debt payments are $4,000 then the borrower has a debt/income ratio of 40%. This is acceptable to many lenders.

    New Opportunities Many lenders will now allow a total debt burden of as much as 55% of the borrower’s income.

    This allows more people to be able to buy a property. Lenders may compensate themselves for the additional risk of this type of loan with a higher than normal interest rate.


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.