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Ball State University Cardinal Platinum Visa Credit Card

Ball State University Cardinal Platinum Visa Credit Card


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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!

  • APR 12.24% or 15.24%
  • Balance Transfer APR 12.24% or 15.24%
  • Balance Transfer Intro APR 0%
  • Cash Advance APR 24.99%
  • Penalty APR 27.99%
  • Late Payment Fee $38
  • Cash Advance Fee 5%
  • Returned Payment Fee $38
  • Balance Transfer Fee 3%
  • Foreign Exchange Fee 3%
  • Minimum Interest Charge $1.50


  • Click "APPLY NOW" to apply online
  • Cash back
  • Gift cards from leading national retailers
  • Travel rewards
  • Merchandise from hundreds of name brands

Expert Reviews

From the Editorial Team

Earn rewards points while showcasing your Cardinal spirit, with an InTrust Bank card that is emblazoned with the Ball State logo.

Expert Reviews of the Ball State University Cardinal Platinum Visa Credit Card

  • 3.0

    Regular APR

  • 4.0

    Intro APR

  • 0.0


  • 2.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

The graphics are cool looking, the APR is decent, and the balance transfer offer is very appealing. The rewards are mediocre, but there is no annual fee, so just consider the rewards you earn as icing on the cake.

The Good

There is no annual fee, and you earn one point per dollar spent on the card. You can redeem rewards once you accumulate at least $25 worth, for a cash credit to your account. Or redeem for travel, gift cards, merchandise, and more.
There is also a 0% introductory APR for 12 billing cycles on balance transfers.

The Not So Good

If you are actively enrolled as a student, your purchase APR will be 15.24%. For everyone else that APR is 12.24%. The APR for cash advances is 24.99%. 
There is a balance transfer fee of 3% of the amount of each transfer or $10, whichever is greater – with a $250 maximum. The APR for cash advances is $10 or 5% of the transaction, whichever is greater. There is also a 3% foreign transaction fee.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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