MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card Review

MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card is a rewards credit card issued by MEMBERS1st Community Credit Union. If you're wondering whether MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card has a variable purchase APR that ranges from 10.15% up to 20.15%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your 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 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 protection, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

The Good

The Bad

Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.99%. No balance transfer fee. No annual fee. Multiple credit card perks. Access to a concierge. Identity Theft Protection. Travel accident and travel assistance insurance. Cardholders can earn rewards on purchases everywhere MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card is accepted. MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1%.

Is there a MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card cash back or rewards program?

MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card offers a rewards program to its customers.

MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card benefits?

MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card provides the following benefits:

• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card has lower than average purchase APRs.

MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card has a variable purchase APR that ranges from 10.15% up to 20.15%. The card has a variable balance transfer APR that ranges from 10.15% up to 20.15%. It also has a variable cash advance APR that ranges from 10.15% up to 20.15%.

What are the fees for MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card?

The following fees apply to MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card:

MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Late Payment Fee	up to $25

Does MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card report your account activity to credit bureaus?

Yes, MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card 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 MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card

• Visit the MEMBERS1st Community Credit Union VISA Platinum Rewards Credit Card 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.