SuperMoney
  Members 1st Credit Union Visa Memberperks Rewards

Members 1st Credit Union Visa Memberperks Rewards

in Personal Credit Cards from Members 1st Credit Union

Unaffiliated

Members 1st Credit Union Visa Memberperks Rewards

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 Memberperks Rewards to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Fixed APR) 12.99% - 22.99%
Balance Transfer APR  (Fixed APR) 12.99% - 22.99%
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. 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.
  • Competitive 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 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 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 650.
Pros & Cons of Members 1st Credit Union Visa Memberperks Rewards
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.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on purchases everywhere Members 1st Credit Union Visa Memberperks Rewards is accepted.
  • Members 1st Credit Union Visa Memberperks Rewards reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
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.

Members 1st Credit Union Visa Memberperks Rewards Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit 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 Memberperks Rewards 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 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?

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 Memberperks Rewards?

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 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 up to 12 months.

Members 1st Credit Union Visa Memberperks Rewards Balance Transfers
Description
Balance Transfer Fee % After Intro Period 2.5%
Balance Transfer Introductory APR 4.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 12.99% - 22.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 0%

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?

The following fees apply:

Members 1st Credit Union Visa Memberperks Rewards 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 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 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 Members 1st Credit Union Visa Memberperks Rewards customer service number 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.

Does Members 1st Credit Union Visa Memberperks Rewards report your account activity to credit bureaus?

Yes, Members 1st Credit Union Visa Memberperks Rewards 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 Memberperks Rewards

  • Visit the Members 1st Credit Union Visa Memberperks Rewards 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

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 650 - 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 Categories
  • Entertainment
  • Every Purchase
  • Furniture
  • Gas
  • Home Improvement Purchases
  • Office Supplies
  • Restaurants
  • Retail
  • Software, Hardware, Cloud
  • Travel
Signup Bonus (points) 10,000
Cash Advance APR (Fixed APR) 12.99% - 22.99%
Balance Computation Average daily balance (including new purchases).
Credit Limit Up to $15,000
Penalty APR (Fixed APR) 0%
Purchase APR (Fixed APR) 12.99% - 22.99%
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) 12.99% - 22.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Cashback
  • Travel
  • Bonus Offers
Card Network Visa

Be the first to rate

 

Would you recommend Members 1st Credit Union Visa Memberperks Rewards 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)

Other Personal Credit Cards

Members 1st Credit Union Personal Credit Cards

Loading...