Platinum Rewards Mastercard®

It's not what's in your wallet... it's what you take out!

Get Up To 20,000 Bonus Points on a Balance Transfer!

Consolidate Holiday debt and get rewarded with 1% of the total amount transferred.

Not only will you get rewarded with one low monthly payment, you’ll also earn points redeemable for cash! And as always, our Platinum Reward Mastercard® has NO BALANCE TRANSFER fees. Even better, we offer a 4.99% APR Introductory Rate on Balance Transfers! That's a win-win-win-win (did we miss any wins)?

Gain Platinum Rewards Mastercard

Don’t have a Platinum Rewards Mastercard?

There's no better time to Gain one.

Bonus Points - Earn 1 bonus point per dollar transferred on qualifying balance transfers up to $20,000. A qualifying balance transfer is funds transferred from your Gain FCU Platinum Rewards Credit Card to pay another financial institution; transfers to Gain FCU loan accounts are ineligible and will not earn Bonus Points. Balance transfers subject to members maximum credit limit available. To earn Bonus Points, transferred balances must remain in the account for at least (3) billing cycles. Bonus Points to be awarded within 30 days from the end of the third billing cycle. Bonus Points will be applied to the Platinum Rewards Credit Card account. Maximum bonus points awarded per member is 20,000 points. Combining multiple cardholder purchases/transfers and Bonus Points is not permitted. Offer ends 03/31/22.

‡‡ 4.99% APR introductory rate is valid on Balance Transfers and Cash advances for a period of six (6) billing cycles. After the discount period expires, the APR will increase
to the new, non-discounted rate on the first day of the billing cycle.

Get rewarded with Platinum.

  • 1.99% APR* Introductory Rate
  • 1% Cash Back Rewards on purchases**
  • 2% Cash Back Rewards on gas and grocery purchases**
  • 4.99%  APR* Introductory Rate on Balance Transfer***
  • Special Savings for Benefits Plus® Members
  • NO Annual Fee
  • NO Balance Transfer Fee
  • NO Cash Advance Fee
  • NO Foreign Transaction Fee
  • Easy point redemption in Online Banking

  • Mastercard Global Service

    Provides 24/7 assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs.

  • Mastercard Airport Concierge

    Provides a Meet and Greet agent to assist with flight connections plus, at select airports, expedited security/immigration processing.

  • Extended Warranty

    Doubles most manufacturer or U.S. store brand warranties for up to one additional year.

  • Price Protection

    Can refund the difference if you buy something and then see it advertised for less within 60 days of the date of purchase.

  • Satisfaction Guarantee

    Can provide a refund of up to $250 if you are dissatisfied with a purchase and the merchant will not accept a return within 60 days of the purchase date.

    Certain restrictions apply. See for details.

  • Identity Theft Resolution Services

    Assists you with credit bureau notification and debit card replacement and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.

Platinum Rewards Mastercard

Intro APR* as low as


Apply Now

To file a debit or credit card dispute:
Call (818) 846-1710, press "2" at the main menu and follow the prompts.

*APR= Annual Percentage Rate. The 1.99% APR is valid on purchases only, for 6 months from account opening. Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing balances will increase to the new, non-discounted variable rate on the first day of the billing cycle.
**Earn 1 point (points are also referred to as "Cash Back") per dollar spent for net retail purchases (qualifying purchases less credits, returns and adjustments) and 2 points per dollar spent for gas or grocery store purchases made with your Gain Platinum Rewards Mastercard credit card at any eligible gas station or grocery store as designated by us. Eligible merchants and their associated Merchant Category Codes ("MCC")are the following: (1) Gas Stations (MCC codes 5541 and 5542); (2) Grocery Stores/Supermarkets (MCC code 5411, 5422, 5441, 5451, 5462 and 5499). Purchases made at these merchants that do not process transactions under these "MCC" codes will not qualify and you will not receive bonus points. For complete details see the Platinum Rewards Points Disclosure.

***4.99% APR introductory rate is valid on Balance Transfers and Cash advances for a period of six (6) billing cycles. After the discount period expires, the APR will increase to the new, non-discounted rate on the first day of the billing cycle.

 Disclosures and Program Information
Mastercard Agreement          Platinum Rewards Mastercard Benefits Program Disclosure         MasterCard Application Disclosure and Solicitation Disclosure

The National Foundation for Credit Counseling (NFCC) provide free or low-cost individualized, confidential credit counseling in-person and by phone at (877)-316-6322.