SuperMoney
  Members 1st Credit Union Visa First
Members 1st Credit Union Visa First Unaffiliated

Members 1st Credit Union Visa First

Unaffiliated
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
My GM Rewards Card™
My GM Rewards Card™ 9 reviews
Highlights
Purchase APR 24.99%
Balance Transfer APR 24.99%
Credit Score Range 600 - 850
Annual Fee $0

Members 1st Credit Union Visa First Review

This is a 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. This review will provide you with with all the details you need to make a good choice.

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 variable purchase APR of 24.99%
  • 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 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 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
  • 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 credit.
  • Members 1st Credit Union Visa First reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • 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 First FAQ

Does Members 1st Credit Union Visa First have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Members 1st Credit Union Visa First benefits?

It provides the following benefits:

  • 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 variable purchase APR of 24.99%. The card has a variable balance transfer APR of 24.99% . It also has a variable 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.

Members 1st Credit Union Visa First Balance Transfers
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:

Members 1st Credit Union Visa First Fees
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 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 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:

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.

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%
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $26
Late Fee Amount Up to $15
Minimum Age 18
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Trip Cancellation Insurance
  • Fraud Liability
Rewards Categories
  • Travel
  • Retail
  • Furniture
  • Gas
  • Home Improvement Purchases
  • Office Supplies
  • Restaurants
  • Every Purchase
  • Software, Hardware, Cloud
  • Entertainment
Signup Bonus (points) 10,000
Cash Advance APR 24.99%
Balance Computation Average daily balance (including new purchases).
Credit Limit Up to $1,000
Penalty APR 0%
Purchase APR 24.99%
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%
Card Type
  • Rewards
  • Low Interest
  • Cashback
  • Bonus Offers
Card Network Visa

Be the first to rate

 

Would you recommend Members 1st Credit Union Visa First 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
(will require moderator approval)

Members 1st Credit Union Credit Cards

Loading...