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  MEMBERS1st Community Credit Union VISA Possibilities Credit Card

MEMBERS1st Community Credit Union VISA Possibilities Credit Card

in Personal Credit Cards from MEMBERS1st Community Credit Union

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MEMBERS1st Community Credit Union VISA Possibilities Credit Card

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in Personal Credit Cards from MEMBERS1st Community Credit Union

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Highlights
Purchase APR  (Variable APR) 16% - 21%
Balance Transfer APR  (Variable APR) 16% - 21%
Credit Score Range N/A
Annual Fee $0

MEMBERS1st Community Credit Union VISA Possibilities Credit Card Review

This is a credit card issued by MEMBERS1st Community Credit Union. If you're wondering whether MEMBERS1st Community Credit Union VISA Possibilities Credit Card 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
  • Competitive APRs. MEMBERS1st Community Credit Union VISA Possibilities Credit Card has a variable purchase APR that ranges from 16% up to 21%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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 identity theft protection, purchase protection, travel accident insurance, and fraud protection.
Pros & Cons of MEMBERS1st Community Credit Union VISA Possibilities Credit Card
The Good The Bad
  • Has an introductory APR rate on balance transfers of 2.99%.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Identity Theft Protection.
  • Travel accident insurance.
  • MEMBERS1st Community Credit Union VISA Possibilities Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
MEMBERS1st Community Credit Union VISA Possibilities Credit Card FAQ

Does MEMBERS1st Community Credit Union VISA Possibilities Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the MEMBERS1st Community Credit Union VISA Possibilities Credit Card benefits?

It provides the following benefits:

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

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

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 a variable purchase APR that ranges from 16% up to 21%. The card has a variable balance transfer APR that ranges from 16% up to 21%. It also has a variable cash advance APR that ranges from 16% up to 21%.

Does MEMBERS1st Community Credit Union VISA Possibilities Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of up to 6 months.

MEMBERS1st Community Credit Union VISA Possibilities Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 2.99%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 16% - 21%
Balance Transfer Fee Minimum $3

Does MEMBERS1st Community Credit Union VISA Possibilities Credit Card have an intro APR offer on new purchases?

MEMBERS1st Community Credit Union VISA Possibilities Credit Card Purchase Intro Offer
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 up to 6 months.

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

The following fees apply:

MEMBERS1st Community Credit Union VISA Possibilities Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does MEMBERS1st Community Credit Union VISA Possibilities Credit Card have a foreign transaction fee?

MEMBERS1st Community Credit Union VISA Possibilities Credit Card 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 MEMBERS1st Community Credit Union VISA Possibilities Credit Card?

The MEMBERS1st Community Credit Union VISA Possibilities Credit Card customer service number is .

What is the support contact email for MEMBERS1st Community Credit Union VISA Possibilities Credit Card?

The support contact email for MEMBERS1st Community Credit Union VISA Possibilities Credit Card is info@members1st.com.

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

Yes, MEMBERS1st Community Credit Union VISA Possibilities 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 Possibilities Credit Card

  • Visit the MEMBERS1st Community Credit Union VISA Possibilities 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.

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 - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:30am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by MEMBERS1st Community Credit Union

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Availability

  Available in 1 state
Iowa
Availabile in all of Iowa

Feature Breakdown

Introductory Rate 2.99%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Late Fee Amount Up to $25
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
Rewards Categories
  • Insurance
  • Travel
Cash Advance APR (Variable APR) 16% - 21%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Variable APR) 16% - 21%
Balance Transfer Introductory APR (Variable APR) 2.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 16% - 21%
Balance Transfer Fee Minimum $3
Card Type
  • Low Interest
Card Network Visa

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