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  Member One Federal Credit Union Member Premier Visa Signature Credit Card

Member One Federal Credit Union Member Premier Visa Signature Credit Card

in Personal Credit Cards from Member One Federal Credit Union

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Member One Federal Credit Union Member Premier Visa Signature Credit Card

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in Personal Credit Cards from Member One Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 13.99 - 15.99
Balance Transfer APR  (Variable APR) 13.9 - 15.9
Credit Score Range 680 - 850
Annual Fee $0

Member One Federal Credit Union Member Premier Visa Signature Credit Card Review

This is a rewards credit card issued by Member One Federal Credit Union. If you're wondering whether Member One Federal Credit Union Member Premier Visa Signature Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Member One Federal Credit Union Member Premier Visa Signature Credit Card has a variable purchase APR that ranges from 13.99% up to 15.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, travel accident insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Member One Federal Credit Union Member Premier Visa Signature Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 5.9%.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Travel accident insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Member One Federal Credit Union Member Premier Visa Signature Credit Card is accepted.
  • Member One Federal Credit Union Member Premier Visa Signature Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
Member One Federal Credit Union Member Premier Visa Signature Credit Card FAQ

Does Member One Federal Credit Union Member Premier Visa Signature Credit Card have a cash back or rewards program?

Member One Federal Credit Union Member Premier Visa Signature Credit Card is a rewards card.

Member One Federal Credit Union Member Premier Visa Signature Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Member One Federal Credit Union Member Premier Visa Signature Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Member One Federal Credit Union Member Premier Visa Signature Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Member One Federal Credit Union Member Premier Visa Signature Credit Card benefits?

It provides the following benefits:

  • Emergency Support
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Member One Federal Credit Union Member Premier Visa Signature Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 13.99% up to 15.99%. The card has a variable balance transfer APR that ranges from 13.9% up to 15.9%. It also has a variable cash advance APR starting at 17.99% .

Does Member One Federal Credit Union Member Premier Visa Signature Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 5.9% for a period of up to 12 months.

Member One Federal Credit Union Member Premier Visa Signature Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0
Balance Transfer Introductory APR 5.9
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 13.9 - 15.9
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0

Does Member One Federal Credit Union Member Premier Visa Signature Credit Card have an intro APR offer on new purchases?

Member One Federal Credit Union Member Premier Visa Signature Credit Card Purchase Intro Offer
Description
Introductory Rate 0
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Member One Federal Credit Union Member Premier Visa Signature Credit Card?

The following fees apply:

  • There is no overlimit fee
Member One Federal Credit Union Member Premier Visa Signature Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Member One Federal Credit Union Member Premier Visa Signature Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Member One Federal Credit Union Member Premier Visa Signature Credit Card?

The Member One Federal Credit Union Member Premier Visa Signature Credit Card customer service number is (800) 666-8811.

What is the support contact email for Member One Federal Credit Union Member Premier Visa Signature Credit Card?

The support contact email for Member One Federal Credit Union Member Premier Visa Signature Credit Card is eservices@memberonefcu.com.

Does Member One Federal Credit Union Member Premier Visa Signature Credit Card report your account activity to credit bureaus?

Yes, Member One Federal Credit Union Member Premier Visa Signature Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Member One Federal Credit Union Member Premier Visa Signature Credit Card

  • Visit the Member One Federal Credit Union Member Premier Visa Signature Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum 0
Cash Advance Fee (%) 0
Minimum Cash Advance Fee ($) 0
Foreign Currency Transaction Fee 0
No Annual Fee
Annual Fee $0
Over-Limit Fee 0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to 25
Paper Statement Fee 5
Late Fee Amount Up to 25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Concierge
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) Starting at 17.99
Balance Computation Average daily balance (including new purchases)
Credit Limit 5,000 - 40,000
Purchase APR (Variable APR) 13.99 - 15.99
Balance Transfer Fee % After Intro Period 0
Balance Transfer Introductory APR (Variable APR) 5.9
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 13.9 - 15.9
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Rewards
Card Network Visa

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