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  Members 1st CU Visa Platinum (With Annual Fee)
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Members 1st CU Visa Platinum (With Annual Fee)

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Highlights
Purchase APR  (Fixed APR) Starting at 10.9%
Balance Transfer APR  (Fixed APR) Starting at 10.9%
Credit Score Range 600 - 850
Annual Fee Up to $12

Members 1st CU Visa Platinum (With Annual Fee) Review

This is a cashback credit card issued by Members First Credit Union of Florida. If you're wondering whether Members 1st CU Visa Platinum (With Annual Fee) is the right card for you, read on.

Key Takeaways

  • 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 odds if your credit score is above 600.

Pros & Cons of Members 1st CU Visa Platinum (With Annual Fee)

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Members 1st CU Visa Platinum (With 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 1st CU Visa Platinum (With Annual Fee) FAQ

Does Members 1st CU Visa Platinum (With Annual Fee) 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 CU Visa Platinum (With Annual Fee) Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Members 1st CU Visa Platinum (With Annual Fee) have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Members 1st CU Visa Platinum (With Annual Fee) offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the relevant APRs for Members 1st CU Visa Platinum (With Annual Fee)?

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 CU Visa Platinum (With Annual Fee) has a fixed purchase APR starting at 10.9% . The card has a fixed balance transfer APR starting at 10.9% . It also has a fixed cash advance APR starting at 10.9% .

Does Members 1st CU Visa Platinum (With Annual Fee) have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Members 1st CU Visa Platinum (With Annual Fee) 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 CU Visa Platinum (With Annual Fee)?

The following fees apply:

  • There is no overlimit fee
Members 1st CU Visa Platinum (With Annual Fee) Fees
Fees Amount
Annual Fee
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $37
Late Payment Fee up to $37

Does Members 1st CU Visa Platinum (With Annual Fee) have a foreign transaction fee?

Members 1st CU Visa Platinum (With 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 foreign transaction fees.

What is the customer service phone number for Members 1st CU Visa Platinum (With Annual Fee)?

The Members 1st CU Visa Platinum (With Annual Fee) customer service number is .

What is the support contact email for Members 1st CU Visa Platinum (With Annual Fee)?

The support contact email for Members 1st CU Visa Platinum (With Annual Fee) is mfcufl@mfcufl.org.

What is the Members 1st CU Visa Platinum (With Annual Fee) login page?

You can access the Members 1st CU Visa Platinum (With Annual Fee) login page here.

How do people rate the customer service and user experience of Members 1st CU Visa Platinum (With Annual Fee)?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Members 1st CU Visa Platinum (With Annual Fee) report your account activity to credit bureaus?

Yes, Members 1st CU Visa Platinum (With 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 1st CU Visa Platinum (With Annual Fee)

  • Visit the Members 1st CU Visa Platinum (With 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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:30pm
  • Tuesday 9:00am - 4:30pm
  • Wednesday 9:00am - 4:30pm
  • Thursday 9:00am - 4:30pm
  • Friday 9:00am - 4:30pm
  • Saturday 8:30am - 12:00pm

Other Services by Members First Credit Union of Florida

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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 (%) Starting at 0%
Foreign Currency Transaction Fee 1%
Annual Fee Up to $12
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
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
  • Starting at 1x Points on Every Purchase
Cash Advance APR (Fixed APR) Starting at 10.9%
APR Type Fixed APR
Balance Computation Average daily balance (including new purchases).
Purchase APR (Fixed APR) Starting at 10.9%
Balance Transfer APR (Fixed APR) Starting at 10.9%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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