Call: (800) 622-3328 or (818) 846-1710   Routing Number: 322274116

Platinum Rewards Mastercard®

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

Don’t have a Platinum Rewards Mastercard? There's no better time to Gain one and score a terrific introductory APR1.

Applying is easy!

Apply Now

Call Anytime: (800) 622-3328
Come In: Burbank Branch or San Fernando Branch

Balance Transfers

Have an outstanding balance with another institution but looking for a better deal? Transfer that balance to Gain! You get all of the benefits you expect from the Gain line of Mastercard® products and more!

To initiate a Balance Transfer, visit or call, select the "Credit Card Balance Transfer" option in Online Banking, or find "Credit Card Balance Transfer" under the "Credit Score & More" option in Mobile Banking. 

Get rewarded with Platinum.

  • 1.99% APR2 Introductory Rate
  • 1% Cash Back Rewards on purchases3
  • 2% Cash Back Rewards on gas and grocery purchases3
  • 4.99% APR Introductory Rate on Balance Transfers4
  • 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 & Mobile 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 mastercard.com/zeroliability 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.

How long will it take to pay off my credit card(s)?

Table data for Mastercard Credit Cards
 Effective 01/06/2025
Cards APR As Low As1 Maximum APR1 Alert Me
Platinum Rewards Mastercard (introductory) 1.99%2 1.99% Receive a notification when this rate changes
Platinum Rewards Mastercard (non-introductory) 13.00%2 18.00% Receive a notification when this rate changes
Classic Mastercard 10.90% 18.00% Receive a notification when this rate changes
Secured Mastercard 10.90% 18.00% Receive a notification when this rate changes
"As low as" rates listed above are our best rate based on approved credit. Actual rate may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵
  • 2APR = Annual Percentage Rate. The Platinum Rewards credit card is an adjustable rate card and the rate is subject to change without prior notice. Introductory APR is valid for a period of six (6) billing cycles. Introductory rate is for purchases only. When the discounted period expires, the APR on existing and subsequent balances will increase to the new non-discounted rate on the first day of the following billing cycle.
    After that your APR will be 13.00% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The APR for Cash Advances and Balance Transfers will be 13.00% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
    The minimum credit limit is $5,000 and the maximum is $25,000. Maximum rate is 18.00% APR. Refer to the “Mastercard Application and Solicitation Disclosure" and the “Mastercard Agreement” for more information. No prepayment penalty. Certain restrictions apply. Subject to credit approval. Offer may end at any time.↵

3 Earn 1 point (points are also referred to as “Cash Back”. 1 point equals 1% 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. Points will not be earned for ATM transactions, balance transfers, cash advances, convenience checks, finance charges, fees, credits for returned merchandise, gaming related transactions, payments, adjustments, foreign transaction currency conversion charges, or insurance charges posted to your account. For complete details see the Platinum Rewards Points Disclosure. Offer may end at any time.

4 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 following billing cycle.

Disclosures and Program Information
Mastercard Agreement          Platinum Rewards Mastercard Guide to Benefits         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. http://www.nfcc.org

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