Last Updated: 07/28/2025
Members 1st CU Visa Platinum (With Annual Fee)
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
Starting at 10.9%(Verified 06/21/2024)
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Balance Transfer APR (Fixed APR)
Starting at 10.9%(Verified 06/21/2024)
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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 up to 1% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Members 1st CU Visa Platinum (With Annual Fee)
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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.
| Description |
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 for accounts that carry a balance (as of November 2024) is 22.80%. 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)?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Up to $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of up to $12.
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 up to 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 customer service number for Members 1st CU Visa Platinum (With Annual Fee) 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 login page for Members 1st CU Visa Platinum (With Annual Fee)?
You can access the login page of Members 1st CU Visa Platinum (With Annual Fee) 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 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 First Credit Union of Florida perform a hard credit pull?
Yes, Members 1st CU Visa Platinum (With Annual Fee) 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 CU Visa Platinum (With Annual Fee)
- Visit the website of Members 1st CU Visa Platinum (With Annual Fee).
- 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.
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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