Last Updated: 07/28/2025
Members First Credit Union VISA Platinum Reward
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.59% - 15.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.59% - 15.9%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
N/A
Members First Credit Union VISA Platinum Reward Review
This is a cashback credit card issued by Members First Credit Union. If you're wondering whether Members First Credit Union VISA Platinum Reward is the right card for you, read on.
Key Takeaways
- APRs: Members First Credit Union VISA Platinum Reward has a variable regular purchase APR that ranges from 10.59% up to 15.9%.
- 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Members First Credit Union VISA Platinum Reward
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Members First Credit Union VISA Platinum Reward FAQ
Does Members First Credit Union VISA Platinum Reward 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 First Credit Union VISA Platinum Reward have a signup bonus?
This card doesn't offer a cash signup bonus.Does Members First Credit Union VISA Platinum Reward offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Members First Credit Union VISA Platinum Reward benefits?
Members First Credit Union VISA Platinum Reward provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Members First Credit Union VISA Platinum Reward?
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 First Credit Union VISA Platinum Reward has a variable purchase APR that ranges from 10.59% up to 15.9%. The card has a variable balance transfer APR that ranges from 10.59% up to 15.9%. It also has a variable cash advance APR that ranges from 10.59% up to 15.9%.
Does Members First Credit Union VISA Platinum Reward have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 7.9% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 10.59% - 15.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 7.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Members First Credit Union VISA Platinum Reward have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 7.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 7.9% on qualified purchases for a period of 12 months.
What are the fees for Members First Credit Union VISA Platinum Reward?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does Members First Credit Union VISA Platinum Reward have a foreign transaction fee?
Members First Credit Union VISA Platinum Reward 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 First Credit Union VISA Platinum Reward?
The customer service number for Members First Credit Union VISA Platinum Reward is .
What is the support contact email for Members First Credit Union VISA Platinum Reward?
The support contact email for Members First Credit Union VISA Platinum Reward is mail@mfcu.net.
What is the login page for Members First Credit Union VISA Platinum Reward?
You can access the login page of Members First Credit Union VISA Platinum Reward here.
How do people rate the customer service and user experience of Members First Credit Union VISA Platinum Reward?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Members First Credit Union VISA Platinum Reward report your account activity to credit bureaus?
Yes, Members First Credit Union VISA Platinum Reward 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 perform a hard credit pull?
Yes, Members First Credit Union VISA Platinum Reward 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 First Credit Union VISA Platinum Reward
- Visit the website of Members First Credit Union VISA Platinum Reward.
- 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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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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed