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  Members First Credit Union Visa Platinum (Without Annual Fee)

Members First Credit Union Visa Platinum (Without Annual Fee)

in Personal Credit Cards from Members First Credit Union of Florida

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Members First Credit Union Visa Platinum (Without Annual Fee)

Unaffiliated

in Personal Credit Cards from Members First Credit Union of Florida

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Highlights
Purchase APR  (Fixed APR) Starting at 12.9%
Balance Transfer APR  (Fixed APR) Starting at 12.9%
Credit Score Range 600 - 850
Annual Fee Starting at $0

Members First Credit Union Visa Platinum (Without Annual Fee) Review

Members First Credit Union Visa Platinum (Without Annual Fee) is a rewards credit card issued by Members First Credit Union of Florida. If you're wondering whether Members First Credit Union Visa Platinum (Without Annual Fee) is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 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.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Members First Credit Union Visa Platinum (Without Annual Fee) Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Members First Credit Union Visa Platinum (Without Annual Fee) is accepted.
  • Members First Credit Union Visa Platinum (Without Annual Fee) reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
Members First Credit Union Visa Platinum (Without Annual Fee) FAQ

Is there a Members First Credit Union Visa Platinum (Without Annual Fee) cash back or rewards program?

Members First Credit Union Visa Platinum (Without Annual Fee) offers a rewards program to its customers.

Members First Credit Union Visa Platinum (Without Annual Fee) Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Members First Credit Union Visa Platinum (Without Annual Fee) have a signup bonus?

Members First Credit Union Visa Platinum (Without Annual Fee) doesn't offer a cash signup bonus.

Does Members First Credit Union Visa Platinum (Without Annual Fee) offer an annual loyalty bonus?

Members First Credit Union Visa Platinum (Without Annual Fee) doesn't offer a cash loyalty bonus.

What are the relevant APRs for Members First Credit Union Visa Platinum (Without Annual Fee)?

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 Visa Platinum (Without Annual Fee) has lower than average purchase APRs.

Members First Credit Union Visa Platinum (Without Annual Fee) has a fixed purchase APR starting at 12.9% . The card has a fixed balance transfer APR starting at 12.9% . It also has a fixed cash advance APR starting at 12.9% .

Does Members First Credit Union Visa Platinum (Without Annual Fee) have an introductory APR offer on balance transfers?

No, Members First Credit Union Visa Platinum (Without Annual Fee) does not come with an introductory APR offer for balance transfers.

Does Members First Credit Union Visa Platinum (Without Annual Fee) have an introductory APR offer on new purchases?

Members First Credit Union Visa Platinum (Without Annual Fee) does not offer an introductory rate on new purchases.

What are the fees for Members First Credit Union Visa Platinum (Without Annual Fee)?

The following fees apply to Members First Credit Union Visa Platinum (Without Annual Fee):

  • An overlimit fee of $10.
Members First Credit Union Visa Platinum (Without Annual Fee) Fees
Fees Amount
Annual Fee N/A
Overlimit Fee $10
Foreign Transaction Fee 1%
Returned Payment Fee $27 - $37
Late Payment Fee $27 - $37

Does Members First Credit Union Visa Platinum (Without Annual Fee) have a foreign transaction fee?

Members First Credit Union Visa Platinum (Without Annual Fee) 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 Visa Platinum (Without Annual Fee) report your account activity to credit bureaus?

Yes, Members First Credit Union Visa Platinum (Without Annual Fee) 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 Visa Platinum (Without Annual Fee)

  • Visit the Members First Credit Union Visa Platinum (Without Annual Fee) 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 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

Every Purchase (Points) Starting at 1
No Annual Fee
Annual Fee Starting at $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Starting at 1.075%
Foreign Currency Transaction Fee 1%
Over-Limit Fee $10
Returned Payment Fee $27 - $37
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
Rewards Categories
  • Every Purchase
Cash Advance APR (Fixed APR) Starting at 12.9%
Balance Computation Average Daily Balance
Purchase APR (Fixed APR) Starting at 12.9%
Balance Transfer APR (Fixed APR) Starting at 12.9%
Card Type
  • Rewards
Card Network Visa

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