Members 1st Credit Union Visa First
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| Purchase APR (Fixed APR) | 24.99% |
| Balance Transfer APR (Fixed APR) | 24.99% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Members 1st Credit Union Visa First Review
This is a cashback credit card issued by Members 1st Credit Union. If you're wondering whether Members 1st Credit Union Visa First is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of 10000 points after spending $1,000 within 2 months that can be redeemed for travel, gifts, or other perks.
- High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 24.99%
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 3%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, purchase protection, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Members 1st Credit Union Visa First
| The Good | The Bad |
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Members 1st Credit Union Visa First FAQ
Does Members 1st Credit Union Visa First have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 10000 |
| Signup Bonus Spend Requirement | $1000 |
| Signup Bonus Spend Period (months) | 2 months |
Does Members 1st Credit Union Visa First have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.Does Members 1st Credit Union Visa First offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Members 1st Credit Union Visa First benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Trip Cancellation Insurance
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Members 1st Credit Union Visa First?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Members 1st Credit Union Visa First has a fixed purchase APR of 24.99%. The card has a fixed balance transfer APR of 24.99% . It also has a fixed cash advance APR of 24.99% .
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 First have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 3% |
| Balance Transfer Introductory APR | 4.99% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 24.99% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 0% |
Does Members 1st Credit Union Visa First have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Members 1st Credit Union Visa First?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $26 |
| Late Payment Fee | up to $15 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Members 1st Credit Union Visa First have a foreign transaction fee?
Members 1st Credit Union Visa First 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 foreign transaction fees.What is the customer service phone number for Members 1st Credit Union Visa First?
The Members 1st Credit Union Visa First customer service number is .
What is the support contact email for Members 1st Credit Union Visa First?
The support contact email for Members 1st Credit Union Visa First is updates@m1cu.org.
What is the Members 1st Credit Union Visa First login page?
You can access the Members 1st Credit Union Visa First login page here.
How do people rate the customer service and user experience of Members 1st Credit Union Visa First?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Members 1st Credit Union Visa First report your account activity to credit bureaus?
Yes, Members 1st Credit Union Visa First 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 First
- Visit the Members 1st Credit Union Visa First 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.
Contact
- Headquarters
-
P.O. Box 492395
Redding, CA 96049 USA - Visit Site
- Email Support
Other Services by Members 1st Credit Union
Availability
Feature Breakdown
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | 3% |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $26 |
| Late Fee Amount | Up to $15 |
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