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  Members 1st Federal Credit Union VISA Platinum Rewards

Members 1st Federal Credit Union VISA Platinum Rewards

in Personal Credit Cards from Members 1st Federal Credit Union

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Members 1st Federal Credit Union VISA Platinum Rewards

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in Personal Credit Cards from Members 1st Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 12.00% - 18.00%
Balance Transfer APR  (Variable APR) 12.00% - 18.00%
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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Members 1st Federal Credit Union VISA Platinum Rewards has a variable 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 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 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 Rewards
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Members 1st Federal Credit Union VISA Platinum Rewards is accepted.
  • Members 1st Federal Credit Union VISA Platinum Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Members 1st Federal Credit Union VISA Platinum Rewards Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

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?

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 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 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?

The following fees apply:

  • An overlimit fee of $15.
Members 1st Federal Credit Union VISA Platinum Rewards Fees
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 cashback card.

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 customer service phone number for Members 1st Federal Credit Union VISA Platinum Rewards?

The Members 1st Federal Credit Union VISA Platinum Rewards customer service number is .

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.

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 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 Rewards

  • Visit the Members 1st Federal Credit Union VISA Platinum 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.

Contact

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

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) Starting at 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $15
Returned Payment Fee Up to $20
Paper Statement Fee $3
Late Fee Amount $27 - $37
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
  • 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
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Travel Assistance
Rewards Rates
  • Gas
  • Groceries
  • Every Purchase
Cash Advance APR (Variable APR) 12.00% - 18.00%
Balance Computation Average daily balance
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 12.00% - 18.00%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer APR (Variable APR) 12.00% - 18.00%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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