
Members First Credit Union Platinum VISA
in Personal Credit Cards from Members First Credit Union
UnaffiliatedMembers First Credit Union Platinum VISA
in Personal Credit Cards from Members First Credit Union
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Purchase APR (Variable APR) | 9.59% - 17.9% |
Balance Transfer APR (Variable APR) | 9.59% - 17.9% |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Members First Credit Union Platinum VISA Review
Members First Credit Union Platinum VISA is a credit card issued by Members First Credit Union. If you're wondering whether Members First Credit Union Platinum VISA is the right card for you, read on. This is everything you need to know to make a good choice.
- Competitive APRs. Members First Credit Union Platinum VISA has a variable purchase APR that ranges from 9.59% up to 17.9%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- 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.
- Accepts cosigners. Members First Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
The Good | The Bad |
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Is there a Members First Credit Union Platinum VISA cash back or rewards program?
No, Members First Credit Union Platinum VISA does not offer a rewards program.
What are the Members First Credit Union Platinum VISA benefits?
Members First Credit Union Platinum VISA provides the following benefits:
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Members First Credit Union Platinum VISA?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Members First Credit Union Platinum VISA has lower than average purchase APRs.Members First Credit Union Platinum VISA has a variable purchase APR that ranges from 9.59% up to 17.9%. The card has a variable balance transfer APR that ranges from 9.59% up to 17.9%. It also has a variable cash advance APR that ranges from 6.9% up to 17.9%.
Does Members First Credit Union Platinum VISA have an introductory APR offer on balance transfers?
Yes, Members First Credit Union Platinum VISA offers an introductory APR rate on balance transfers of 6.9% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer APR | 9.59% - 17.9% |
Balance Transfer Introductory APR | 6.9% |
Balance Transfer Intro APR Period (months) | 12 |
Balance Transfer Fee % | 0% |
Balance Transfer Fee % After Intro Period | N/A |
Balance Transfer Fee Intro Period (days) | N/A |
Balance Transfer Fee Minimum | N/A |
Does Members First Credit Union Platinum VISA have an introductory APR offer on new purchases?
This card does offer an introductory APR rate of 6.9% on qualified purchases for a period of up to 12 months.
Description | |
---|---|
Introductory Rate | 6.9% |
Purchase Intro APR Period (months) | 12 |
What are the fees for Members First Credit Union Platinum VISA?
The following fees apply to Members First Credit Union Platinum VISA:
Fees | Amount |
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Annual Fee | $0 |
Foreign Transaction Fee | 1% |
Returned Payment Fee | up to $25 |
Late Payment Fee | up to $25 |
Does Members First Credit Union Platinum VISA have a foreign transaction fee?
Members First Credit Union Platinum VISA 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 a foreign transaction fee.Does Members First Credit Union Platinum VISA report your account activity to credit bureaus?
Yes, Members First Credit Union Platinum VISA 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 First Credit Union Platinum VISA
- Visit the Members First Credit Union Platinum VISA 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
-
P.O. Box 2165
Midland, MI 48641 - Visit Site
Other Services by Members First Credit Union

Availability
- California
- Michigan
Feature Breakdown
Introductory Rate | 6.9% |
Purchase Intro APR Period (Variable APR) | 12 months |
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