SuperMoney
  Members 1st Credit Union Visa Classic Credit Card

Members 1st Credit Union Visa Classic Credit Card

in Personal Credit Cards from Members 1st Credit Union

Unaffiliated

Members 1st Credit Union Visa Classic Credit Card

Unaffiliated

in Personal Credit Cards from Members 1st Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Members 1st Credit Union Visa Classic Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Fixed APR) 9.99% - 25.49%
Balance Transfer APR  (Fixed APR) 9.99% - 25.49%
Credit Score Range 600 - 850
Annual Fee $0

Members 1st Credit Union Visa Classic Credit Card Review

Members 1st Credit Union Visa Classic Credit Card is a credit card issued by Members 1st Credit Union. If you're wondering whether Members 1st Credit Union Visa Classic Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Members 1st Credit Union Visa Classic Credit Card has a fixed purchase APR that ranges from 9.99% up to 25.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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 2.5%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
Members 1st Credit Union Visa Classic Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 4.99%.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Considers applicants with fair or poor credit.
  • Members 1st Credit Union Visa Classic Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
Members 1st Credit Union Visa Classic Credit Card FAQ

Is there a Members 1st Credit Union Visa Classic Credit Card cash back or rewards program?

No, Members 1st Credit Union Visa Classic Credit Card does not offer a rewards program.

What are the Members 1st Credit Union Visa Classic Credit Card benefits?

Members 1st Credit Union Visa Classic Credit Card provides the following benefits:

  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Members 1st Credit Union Visa Classic Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Members 1st Credit Union Visa Classic Credit Card has lower than average purchase APRs.

Members 1st Credit Union Visa Classic Credit Card has a fixed purchase APR that ranges from 9.99% up to 25.49%. The card has a fixed balance transfer APR that ranges from 9.99% up to 25.49%. It also has a fixed cash advance APR that ranges from 9.99% up to 25.49%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Members 1st Credit Union Visa Classic Credit Card have an introductory APR offer on balance transfers?

Yes, Members 1st Credit Union Visa Classic Credit Card offers an introductory APR rate on balance transfers of 4.99% for a period of up to 12 months.

Members 1st Credit Union Visa Classic Credit Card Balance Transfers
Description
Balance Transfer APR 9.99% - 25.49%
Balance Transfer Introductory APR 4.99%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 0%
Balance Transfer Fee % After Intro Period 2.5%
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $5

Does Members 1st Credit Union Visa Classic Credit Card have an introductory APR offer on new purchases?

Members 1st Credit Union Visa Classic Credit Card does not offer an introductory rate on new purchases.
Members 1st Credit Union Visa Classic Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Members 1st Credit Union Visa Classic Credit Card?

The following fees apply to Members 1st Credit Union Visa Classic Credit Card:

Members 1st Credit Union Visa Classic Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $26
Late Payment Fee up to $15

Does Members 1st Credit Union Visa Classic Credit Card have a foreign transaction fee?

Members 1st Credit Union Visa Classic Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Members 1st Credit Union Visa Classic Credit Card report your account activity to credit bureaus?

Yes, Members 1st Credit Union Visa Classic 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 Members 1st Credit Union Visa Classic Credit Card

  • Visit the Members 1st Credit Union Visa Classic 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.

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $26
Late Fee Amount Up to $15
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Trip Cancellation Insurance
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 9.99% - 25.49%
Balance Computation Average daily balance (including new purchases).
Credit Limit Up to $15,000
Penalty APR (Fixed APR) 0%
Purchase APR (Fixed APR) 9.99% - 25.49%
Balance Transfer Fee % After Intro Period 2.5%
Balance Transfer Introductory APR (Fixed APR) 4.99%
Balance Transfer Intro APR Period (Fixed APR) 12 months
Balance Transfer APR (Fixed APR) 9.99% - 25.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 0%
Card Type Low Interest
Card Network Visa

Be the first to rate

 

Would you recommend Members 1st Credit Union Visa Classic Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

0%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Other Personal Credit Cards

Members 1st Credit Union Personal Credit Cards

Loading...