| Rewards | None |
|---|---|
| Signup Bonus | None. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable APR based on creditworthiness |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $40 |
| Purchases APR | Variable APR based on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The MidFirst Bank OSU Platinum Credit Card is a no-annual-fee university-affinity card designed for Oklahoma State University supporters who want a simple credit option while showing school pride. Unlike many rewards cards, it focuses more on straightforward credit access and OSU support rather than cash back, travel perks, or bonus categories.
Most users say they like the OSU branding, the ability to support their university through card usage, and the simplicity of a basic Platinum card. Many reviewers mentioned that having a school-affiliated card is appealing for alumni and longtime fans who want a connection beyond a standard credit card.
On the downside, many users point out that the card lacks a rewards program, making it less competitive compared with modern cash-back and points cards. Others mention that there are limited perks beyond the OSU affiliation and that rewards-focused shoppers may find better options elsewhere.
Personally, I think the MidFirst Bank OSU Platinum Credit Card is best suited for dedicated Oklahoma State fans who value the university connection more than maximizing rewards. If you’re looking for cash back, travel benefits, or a strong signup bonus, a general rewards credit card will likely provide more value.
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Solid everyday card for OSU grads
As an OSU alum, this card's straightforward rewards and low fees fit my daily spending. The app is intuitive and payments post quickly. Feels dependable and worth keeping in my wallet.
