The Mountain America Credit Union Visa Platinum is a personal credit card from Mountain America Credit Union Visa Platinum. The annual fee is $0. The ongoing APR is 8.99% - 18.00% Variable after a 0% introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: 1 point per dollar spent on all purchases.. Typical credit limit: $300 to $40,000. This product reports activity to your personal credit report. No foreign transaction fees for purchases made outside the U.S.