Last Updated: 07/28/2025
Members 1st Credit Union Visa Memberperks Rewards
Unaffiliated
in Credit Cards from Members 1st Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
12.99% - 22.99%(Verified 06/21/2024)
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Balance Transfer APR (Fixed APR)
12.99% - 22.99%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Members 1st Credit Union Visa Memberperks Rewards Review
This is a cashback credit card issued by Members 1st Credit Union. If you're wondering whether Members 1st Credit Union Visa Memberperks Rewards is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 10000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Members 1st Credit Union Visa Memberperks Rewards has a fixed purchase APR that ranges from 12.99% up to 22.99%.
- 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 2.5%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, identity theft protection, purchase security, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Members 1st Credit Union Visa Memberperks Rewards
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Members 1st Credit Union Visa Memberperks Rewards FAQ
Does Members 1st Credit Union Visa Memberperks Rewards 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.
| Description |
Does Members 1st Credit Union Visa Memberperks Rewards have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Members 1st Credit Union Visa Memberperks Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Members 1st Credit Union Visa Memberperks Rewards benefits?
Members 1st Credit Union Visa Memberperks Rewards 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 Memberperks Rewards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Members 1st Credit Union Visa Memberperks Rewards has a fixed purchase APR that ranges from 12.99% up to 22.99%. The card has a fixed balance transfer APR that ranges from 12.99% up to 22.99%. It also has a fixed cash advance APR that ranges from 12.99% up to 22.99%.
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 Memberperks Rewards 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.99% - 22.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 2.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Members 1st Credit Union Visa Memberperks Rewards 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 Memberperks Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $26 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 Memberperks Rewards have a foreign transaction fee?
Members 1st Credit Union Visa Memberperks Rewards charges a foreign transaction fee of up to 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 Memberperks Rewards?
The customer service number for Members 1st Credit Union Visa Memberperks Rewards is .
What is the support contact email for Members 1st Credit Union Visa Memberperks Rewards?
The support contact email for Members 1st Credit Union Visa Memberperks Rewards is updates@m1cu.org.
What is the login page for Members 1st Credit Union Visa Memberperks Rewards?
You can access the login page of Members 1st Credit Union Visa Memberperks Rewards here.
How do people rate the customer service and user experience of Members 1st Credit Union Visa Memberperks Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Members 1st Credit Union Visa Memberperks Rewards report your account activity to credit bureaus?
Yes, Members 1st Credit Union Visa Memberperks Rewards reports to the following credit bureaus:
- 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 build your credit.
Does Members 1st Credit Union perform a hard credit pull?
Yes, Members 1st Credit Union Visa Memberperks Rewards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Members 1st Credit Union Visa Memberperks Rewards
- Visit the website of Members 1st Credit Union Visa Memberperks Rewards.
- 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.
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Sunday
Closed
Monday
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
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Saturday
9:00AM - 5:30PM