Buffalo Metropolitan Federal Credit Union


MasterCard Platinum Credit Card


The Only Credit Card You'll Ever Need.

Members like you are our most valuable asset and we look forward to providing the level of personal service that few financial institutions can provide and a credit card that will be the only card you will ever need.



MasterCard Platinum Credit Card Features.

  • FREE Balance Transfers. Most card issuers charge a balance transfer fee. Either a fixed dollar amount, a percentage of the transaction, or whichever is greater of the two amounts. Balance transfers to Buffalo Metropolitan’s MasterCard Platinum credit card are always FREE. Moving your higher interest credit card balances over is easy. Simply use a credit card check to easily transfer a balance to your MasterCard Platinum. A credit card check is available at the bottom of every credit card statement. Or provide us with a current credit card statement of that card and we'll do the rest.
  • Same Rate for Cash Advances. For many this is a who knew moment. With your Buffalo Metropolitan MasterCard Platinum you can get cash when you need it with the same low rate as purchases.
  • Who Needs Fees. That's right NO annual fee. The profits we make come back to you to keep your fees and rates lower. Click here for MasterCard Platinum credit card rates.
  • Protected. Our Platinum credit cards are monitored by MasterCard which means they oversee transactions so if anything appears out of the norm of your spending habits, they will call and confirm that it was really you making the purchase.

Cash advance fee - 3.00% of the amount of each cash advance

Apply for a MasterCard Credit Card                                   Not Yet a Credit Union Member?




  • Price Protection. Purchases you make entirely with your MasterCard Platinum credit card are covered for sixty (60) days from the date of purchase as indicated on your receipt for the difference between the price you paid and the lower price advertised. Benefit subject to the terms and conditions provided in the MasterCard Guide to Benefits.
  • Identity Theft Resolution Services. Personal Identity Theft Resolution Services provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft. Simply contact 1.800.622.7747 if you believe you have been a victim of Identity Theft. Benefit subject to the terms and conditions provided in the MasterCard Guide to Benefits.
  • Auto Rental Collision Damage Waiver. Subject to the terms and conditions provided in the MasterCard Guide to Benefits, the Auto Rental Collision Damage Waiver benefit provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. In your country of residence, this benefit is supplemental to, and excess of, any valid and collectible insurance from any other source. MasterCard will reimburse only for that theft or damage not payable by any other party.
  • Baggage Delay Reimbursement. When you pay for the entire cost of airline tickets with your MasterCard Platinum credit card, you will be eligible to receive reimbursement for theft or misdirection of your checked baggage for essential items needed by you, while on a covered trip and at a destination other than your location of permanent residence. Benefit subject to the terms and conditions provided in the MasterCard Guide to Benefits.
  • Extended Warranty. Extended Warranty doubles the original manufacturer warranty up to a maximum of twelve (12) months on most items you purchase. Benefit subject to the terms and conditions provided in the MasterCard Guide to Benefits.
  • Cellular Telephone Protection. Cellular Telephone Protection will reimburse the enrolled cardholder for damage to or theft of eligible cellular wireless telephones. To be eligible for Cellular Telephone Protection, you must charge your monthly cellular wireless telephone bills to your MasterCard Platinum credit card. Benefit subject to the terms and conditions provided in the MasterCard Guide to Benefits.

*Terms and conditions outlined in your For questions or to file a claim with MasterCard, call 1.800.622.7747 and follow the prompts to reach "Benefits & Other Services."


Enhanced Security for Online Shopping.

MasterCard SecureCode is a private code for your MasterCard credit card that gives you an additional layer of online shopping security. With a private code - similar to a PIN - you get protection against unauthorized use of your card when you shop at participating online retailers. Learn more about SecureCode or register for your SecureCode today.


View Purchases & Make Payments Online.

View your transactions online and gain increased financial control without having to sort through old receipts. In addition, online payments are applied quicker, thereby making your available limit accessible earlier than if you were to make a payment at the Credit Union or by mail. There are two ways in which you can access your credit card account online:

  • Online Banking - Access your MasterCard Platinum credit card account online via online banking. Once logged in, simply select "Credit Card Services" under the "Services" tab. Another window will open in your web browser; on the right, under "New to GoToMyCard", select "Register." If not currently an online banking user, call the Credit Union at 716.847.6960 to acquire your log-in credentials.

  • GoToMyCard.com - Click "Register" on the right side of the page under "New to GoToMyCard?"


Make Credit Card Payments.

  • Make payments online via online banking: See "set-up instructions" above.
  • Mail MasterCard credit card payments or set-up MasterCard payments via BillPay:
    MASTERCARD, PO BOX 672051, DALLAS,  TX 75267-2021
  • Make a credit card payment over the telephone: Call 1.800.442.4757 – enter your card number and zip code. After your account information is provided, select “2-for main menu” and then “1-to make a payment.” There is no service fee to make a payment utilizing the automated prompts.

Existing Members: Apply for a MasterCard Platinum Credit Card.

Mail the completed credit card application along with two recent pay stubs to: Buffalo Metropolitan FCU, 62 S. Elmwood Ave., Buffalo, NY 14202, Attn: Loan Dept. A Loan Officer will contact you when they receive your credit card application. View the MasterCard Platinum credit card agreement.


Not yet a Credit Union Member?

You must open a savings account in order to have any other product or service (ex: loan) at Buffalo Metropolitan Federal Credit Union; find out more about Credit Union membership.


Online Gambling.

Please be advised that you may not use any Buffalo Metropolitan Federal Credit Union card to initiate any type of electronic gambling transaction through the Internet.


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