Members 1st Federal Credit Union VISA Platinum Low Rate
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| Purchase APR (Variable APR) | 8.75% - 16.75% |
| Balance Transfer APR (Variable APR) | 8.75% - 16.75% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Members 1st Federal Credit Union VISA Platinum Low Rate Review
This is a card issued by Members 1st Federal Credit Union. If you're wondering whether Members 1st Federal Credit Union VISA Platinum Low Rate is the right card for you, read on.
Key Takeaways
- Competitive APRs. Members 1st Federal Credit Union VISA Platinum Low Rate has a variable purchase APR that ranges from 8.75% up to 16.75%.
- 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.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel assistance, 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 Federal Credit Union VISA Platinum Low Rate
| The Good | The Bad |
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Members 1st Federal Credit Union VISA Platinum Low Rate FAQ
Does Members 1st Federal Credit Union VISA Platinum Low Rate have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Members 1st Federal Credit Union VISA Platinum Low Rate benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Members 1st Federal Credit Union VISA Platinum Low Rate?
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 lower than average regular APRs.Members 1st Federal Credit Union VISA Platinum Low Rate has a variable purchase APR that ranges from 8.75% up to 16.75%. The card has a variable balance transfer APR that ranges from 8.75% up to 16.75%. It also has a variable cash advance APR that ranges from 8.75% up to 16.75%. Note that late payments are subject to an APR of 18.00% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Members 1st Federal Credit Union VISA Platinum Low Rate have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Members 1st Federal Credit Union VISA Platinum Low Rate 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 Federal Credit Union VISA Platinum Low Rate?
The following fees apply:
- An overlimit fee of $15.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $15 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $20 |
| Late Payment Fee | $27 - $37 |
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 Federal Credit Union VISA Platinum Low Rate have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Members 1st Federal Credit Union VISA Platinum Low Rate?
The Members 1st Federal Credit Union VISA Platinum Low Rate customer service number is .
What is the support contact email for Members 1st Federal Credit Union VISA Platinum Low Rate?
The support contact email for Members 1st Federal Credit Union VISA Platinum Low Rate is info@members1st.org.
What is the Members 1st Federal Credit Union VISA Platinum Low Rate login page?
You can access the Members 1st Federal Credit Union VISA Platinum Low Rate login page here.
How do people rate the customer service and user experience of Members 1st Federal Credit Union VISA Platinum Low Rate?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Members 1st Federal Credit Union VISA Platinum Low Rate report your account activity to credit bureaus?
Yes, Members 1st Federal Credit Union VISA Platinum Low Rate 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 Federal Credit Union VISA Platinum Low Rate
- Visit the Members 1st Federal Credit Union VISA Platinum Low Rate 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
-
5000 Louise Dr
Mechanicsburg, PA 17055 USA - Visit Site
- Email Support
Other Services by Members 1st Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $0 |
| Cash Advance Fee (%) | Starting at 0% |
| Minimum Cash Advance Fee ($) | Starting at $0 |
| Foreign Currency Transaction Fee | 0% |
| No Annual Fee | |
| No Foreign Transaction Fee | |
| Annual Fee | $0 |
| Over-Limit Fee | $15 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $20 |
| Paper Statement Fee | $3 |
| Late Fee Amount | $27 - $37 |
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