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  Members First Credit Union Visa Platinum (With Annual Fee)

Members First Credit Union Visa Platinum (With Annual Fee)

in Personal Credit Cards from Members First Credit Union of Florida

Unaffiliated

Members First Credit Union Visa Platinum (With 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 10.9%
Balance Transfer APR  (Fixed APR) Starting at 10.9%
Credit Score Range 600 - 850
Annual Fee Up to $12

Members First Credit Union 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 First Credit Union Visa Platinum (With Annual Fee) 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
  • 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 First Credit Union Visa Platinum (With Annual Fee)
The Good The Bad
  • Lower than average purchase APRs.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Members First Credit Union Visa Platinum (With Annual Fee) is accepted.
  • Members First Credit Union 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 First Credit Union Visa Platinum (With Annual Fee) FAQ

Does Members First Credit Union 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 First Credit Union Visa Platinum (With Annual Fee) Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Members First Credit Union Visa Platinum (With Annual Fee) have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Members First Credit Union 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 First Credit Union 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. It has lower than average regular APRs.

It 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 First Credit Union 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 First Credit Union 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 First Credit Union Visa Platinum (With Annual Fee)?

The following fees apply:

  • There is no overlimit fee
Members First Credit Union Visa Platinum (With Annual Fee) Fees
Fees Amount
Annual Fee
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $27 - $37
Late Payment Fee $27 - $37

Does Members First Credit Union Visa Platinum (With Annual Fee) have a foreign transaction fee?

Members First Credit Union 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 First Credit Union Visa Platinum (With Annual Fee)?

The Members First Credit Union Visa Platinum (With Annual Fee) customer service number is .

What is the support contact email for Members First Credit Union Visa Platinum (With Annual Fee)?

The support contact email for Members First Credit Union Visa Platinum (With Annual Fee) is mfcufl@mfcufl.org.

Does Members First Credit Union Visa Platinum (With Annual Fee) report your account activity to credit bureaus?

Yes, Members First Credit Union 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 First Credit Union Visa Platinum (With Annual Fee)

  • Visit the Members First Credit Union 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

Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Starting at 0.908%
Foreign Currency Transaction Fee 1%
Annual Fee Up to $12
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 10.9%
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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