Last Updated: 07/28/2025
Members 1st Federal Credit Union VISA Platinum Rewards
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.00% - 18.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.00% - 18.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
Members 1st Federal Credit Union VISA Platinum Rewards Review
This is a cashback credit card issued by Members 1st Federal Credit Union. If you're wondering whether Members 1st Federal Credit Union VISA Platinum Rewards is the right card for you, read on.
Key Takeaways
- APRs: Members 1st Federal Credit Union VISA Platinum Rewards has a variable regular purchase APR that ranges from 12.00% up to 18.00%.
- 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.
- 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Members 1st Federal Credit Union VISA Platinum Rewards
| The Good | The Bad |
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Members 1st Federal Credit Union VISA Platinum Rewards FAQ
Does Members 1st Federal Credit Union VISA Platinum 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 Federal Credit Union VISA Platinum Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does Members 1st Federal Credit Union VISA Platinum Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Members 1st Federal Credit Union VISA Platinum Rewards benefits?
Members 1st Federal Credit Union VISA Platinum Rewards 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 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 Federal Credit Union VISA Platinum Rewards has a variable purchase APR that ranges from 12.00% up to 18.00%. The card has a variable balance transfer APR that ranges from 12.00% up to 18.00%. It also has a variable cash advance APR that ranges from 12.00% up to 18.00%.
Note that late payments are subject to an APR of 18% 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 Rewards 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 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 Federal Credit Union VISA Platinum Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $27 - $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $37 . Does Members 1st Federal Credit Union VISA Platinum Rewards 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 support contact email for Members 1st Federal Credit Union VISA Platinum Rewards?
The support contact email for Members 1st Federal Credit Union VISA Platinum Rewards is info@members1st.org.
How do people rate the customer service and user experience of Members 1st Federal Credit Union VISA Platinum Rewards?
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 Rewards report your account activity to credit bureaus?
Yes, Members 1st Federal Credit Union VISA Platinum 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 Federal Credit Union perform a hard credit pull?
Yes, Members 1st Federal Credit Union VISA Platinum 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 Federal Credit Union VISA Platinum Rewards
- Visit the website of Members 1st Federal Credit Union VISA Platinum 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.
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.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:30PM
Friday
7:30AM - 6:00PM
Saturday
8:30AM - 2:00PM
Other Services by Members 1st Federal Credit Union
Personal Loans
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Other Credit Cards from Members 1st Federal Credit Union
Rating not yet determined
Purchase APR
8.75% - 16.75%
Disclaimer popup with additional information
Balance Transfer APR
8.75% - 16.75%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 18.00%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 18.00%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
Starting at $25
Rating not yet determined
Purchase APR
12% - 18%
Disclaimer popup with additional information
Balance Transfer APR
12% - 18%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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