Last Updated: 05/14/2026
MEMBERS1st Community CU Cashback Credit Card
Unaffiliated
Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
10.65% - 20.65%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
10.65% - 20.65%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
MEMBERS1st Community CU Cashback Credit Card Review
This is a cashback credit card issued by MEMBERS1st Community Credit Union. If you're wondering whether MEMBERS1st Community CU Cashback Credit Card is the right card for you, read on.
Key Takeaways
- APRs: MEMBERS1st Community CU Cashback Credit Card has a variable regular purchase APR that ranges from 10.65% up to 20.65%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of MEMBERS1st Community CU Cashback Credit Card
| The Good | The Bad |
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MEMBERS1st Community CU Cashback Credit Card FAQ
Does MEMBERS1st Community CU Cashback Credit Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for MEMBERS1st Community CU Cashback Credit Card?
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.MEMBERS1st Community CU Cashback Credit Card has a variable purchase APR that ranges from 10.65% up to 20.65%. The card has a variable balance transfer APR that ranges from 10.65% up to 20.65%. It also has a variable cash advance APR that ranges from 10.65% up to 20.65%.
Does MEMBERS1st Community CU Cashback Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0.99% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 10.65% - 20.65% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does MEMBERS1st Community CU Cashback Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 2.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 2.99% on qualified purchases for a period of 6 months.
What are the fees for MEMBERS1st Community CU Cashback Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does MEMBERS1st Community CU Cashback Credit Card have a foreign transaction fee?
MEMBERS1st Community CU Cashback Credit Card 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 support contact email for MEMBERS1st Community CU Cashback Credit Card?
The support contact email for MEMBERS1st Community CU Cashback Credit Card is info@members1st.com.
How do people rate the customer service and user experience of MEMBERS1st Community CU Cashback Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does MEMBERS1st Community CU Cashback Credit Card report your account activity to credit bureaus?
Yes, MEMBERS1st Community CU Cashback Credit Card 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 MEMBERS1st Community Credit Union perform a hard credit pull?
Yes, MEMBERS1st Community CU Cashback Credit Card 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 MEMBERS1st Community CU Cashback Credit Card
- Visit the website of MEMBERS1st Community CU Cashback Credit Card.
- 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.
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Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:30AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
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Other Credit Cards from MEMBERS1st Community Credit Union
Rating not yet determined
Purchase APR
16% - 21%
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Balance Transfer APR
16% - 21%
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Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
8.65% - 18.65%
Disclaimer popup with additional information
Balance Transfer APR
8.65% - 18.65%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
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