Credit Cards

	Platinum	Platinum Rewards	UMaine Alumni Association Platinum Rewards	USM Platinum Rewards
Great cards to choose from
Rates	As low as 9.74% APR*	As low as 11.74% APR*	As low as 11.74% APR*	As low as 11.74% APR*
No annual fee	✔	✔	✔	✔
No balance transfer fee	✔	✔	✔	✔
3.99% APR* intro rate on balance transfers for 12 months, rate then returns to standard APR*	✔	✔	✔	✔
Added security with smart-chip technology	✔	✔	✔	✔
Earn 1 point for every net dollar spent to redeem rewards		✔	✔	✔
Earn rewards for travel, cash back and merchandise		✔	✔	✔
Give back to UMAA simply by having and using your card!			✔
Give back to USM simply by having and using your card!				✔

*APR=Annual Percentage Rate. Rates effective 10/24/2019. Standard APRs for purchases, balance transfers and cash advances will vary based on Prime Rate and credit worthiness and range from 9.74% to 16.74% for the Platinum Card, from 11.74% to 18.74% for the Platinum Rewards Card. The introductory APR for balance transfers is 3.99% for 12 billing cycles from the date of account opening. After that, your APR will revert to your APR for purchases which will vary with the market based on the Prime Rate and your credit worthiness. The introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account.

Credit Card Disclosures | Credit Card Agreement

Platinum & Platinum Rewards Cards

	Platinum	Platinum Rewards
Great cards to choose from
Rates	As low as 10.24% APR*	As low as 12.24% APR*
No annual fee	✔	✔
No balance transfer fee	✔	✔
3.99% APR* intro rate on balance transfers for 12 months, rate then returns to standard APR*	✔	✔
Added security with smart-chip technology	✔	✔
Earn 1 point for every net dollar spent to redeem rewards		✔
Earn rewards for travel, cash back and merchandise		✔

*APR=Annual Percentage Rate. Rates effective 12/20/2018. Standard APRs for purchases, balance transfers and cash advances will vary based on Prime Rate and credit worthiness and range from 10.24% to 17.24% for the Platinum Card, from 12.24% to 19.24% for the Platinum Rewards Card. The introductory APR for balance transfers is 3.99% for 12 billing cycles from the date of account opening. After that, your APR will revert to your APR for purchases which will vary with the market based on the Prime Rate and your credit worthiness. The introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account.

Credit Card Disclosures | Credit Card Agreement

UMaine & USM Platinum Rewards Cards

	UMaine Alumni Association Platinum Rewards	USM Platinum Rewards
Great cards to choose from
Rates	As low as 12.24% APR*	As low as 12.24% APR*
No annual fee	✔	✔
No balance transfer fee	✔	✔
3.99% APR* intro rate on balance transfers for 12 months, rate then returns to standard APR*	✔	✔
Added security with smart-chip technology	✔	✔
Earn 1 point for every net dollar spent to redeem rewards	✔	✔
Earn rewards for travel, cash back and merchandise	✔	✔
Give back to UMAA simply by having and using your card!	✔
Give back to USM simply by having and using your card!		✔

*APR=Annual Percentage Rate. Rates effective 12/20/2018. Standard APRs for purchases, balance transfers and cash advances will vary based on Prime Rate and credit worthiness and range from 10.24% to 17.24% for the Platinum Card, from 12.24% to 19.24% for the Platinum Rewards Card. The introductory APR for balance transfers is 3.99% for 12 billing cycles from the date of account opening. After that, your APR will revert to your APR for purchases which will vary with the market based on the Prime Rate and your credit worthiness. The introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account.

Credit Card Disclosures | Credit Card Agreement

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UMaine & USM Platinum Rewards Cards

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