With its unique vertical design, the Minnco Mastercard credit card literally stands out in a crowd. But it's more than a pretty face. The Minnco Mastercard is packed with features typically found only on cards with hefty annual fees! For instance, the Minnco Mastercard doesn't have a cash advance fee or a balance transfer fee! Nor does it have a penalty rate!
Let's put that in perspective. Most credit cards charge a cash advance fee of 5% or $10, whichever is greater. If you want $100, you'll be charged a one-time fee of $10, on top of the interest charges.
Likewise, most credit cards charge a balance transfer fee between 3% to 5%, with a minimum charge around $10. To transfer a balance of $5,000, you'll pay between $150 and $250 upfront, in addition to the interest charges!
Finally, other credit cards typically charge a penalty rate. A penalty rate is the highest rate you can be charged. This rate can kick in if you are delinquent on your credit card payments by 60 days or more. Penalty rates can easily double what you're currently being charged, sometimes going as high as 30%.
*The Minnco Mastercard has annual percentage rates of 9.9%, 12.9% and 16.9% APR. All credit cards are subject to approval. Rates are based on applicant's credit history and credit worthiness. Foreign transactions incur a 1% foreign
transaction fee in U.S. Dollars.
Local, hometown, friendly bank. Due to the downturn in the economy many years ago, Minnco made it possible for us to get our life back on track financially after a job loss. We wouldn't be where we are today without their help years ago.Anne R.
I love Minnco because they have always been there to help me with my banking needs. The staff are always super friendly whenever I have any questions.Cheryl W.
It's not a national level chain of branch offices... it's local banking for local people.Paul A.
I love the people, I love the ease ability of banking, and there is never any hassle when it comes to working with Minnco.Jeff W.
I love Minnco because of the fast service and friendly faces.Miah G.
Compared to any other bank I have been with or known people to use, Minnco is the best with service, especially when you need help.Katrina A.
Since Day 1, Minnco has been nothing but good to us and for us!!!Nate N.
I enjoy being able to call in when I need something and talk to someone local unlike the big banks. Your customer service is great and that goes a long way!Andrew J.
Minnco has always been easy to work with for all of my questions and loan needs.Paul S.
Always there right away when I need them!Suzannah M.
I love Minnco because everyone is friendly and efficient. You can build a relationship with the staff at Minnco and be welcomed with a friendly face.Laura D.
I grew up with them as a bank and they taught me about how banking works, and were always friendly, and made me less nervous when it was time to do things myself.Jessica B.
I love Minnco because they always make everything so easy. I have had several loans and the process is quick and easy.Cynthia
I love Minnco because I never feel like just a number to them. They take great pride in their members and they have always given me great service with a smile. I honestly could go on and on about the many reasons why I love them, because they are seriously amazing.Amanda W.
I can always count on many employees to know who I am and get my requests done even being out of state!Karen H.
I love it when I come through the drive through and they know who I am and call me by name. This is personal service which is missed in the world today. It makes me feel like I am valued by Minnco.Emilie B.
Minnco has always been there for me. I have traveled all over the country and the world now for the Minnesota Guard. I have been able to always and reliably count on Minnco to have my back with customer service and great rates. Minnco is always helpful with whatever I need to be successful.Ross R.
Love the friendly, knowledgeable staff that will go above and beyond if/when needed. Great service without the corporate feel of the big banks.Sandy S.
I love Minnco because they know who I am, even through the car window!Melanie G.
I have been a member since 1980 - and I wouldn't go to any other bank!!!!Nan L.