MembersFirst Credit Union VISA Platinum

MembersFirst Credit Union VISA Platinum Review

This is a rewards card issued by MembersFirst Credit Union. If you're wondering whether MembersFirst Credit Union VISA Platinum is the right card for you, read on.

Key Takeaways

• Competitive APRs. MembersFirst Credit Union VISA Platinum has a fixed purchase APR of 8.99%
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, travel accident insurance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of MembersFirst Credit Union VISA Platinum

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Identity Theft Protection. Travel accident insurance. Cardholders can earn rewards on purchases everywhere MembersFirst Credit Union VISA Platinum is accepted. MembersFirst Credit Union VISA Platinum reports to multiple credit bureaus.	Does not offer a signup bonus.

MembersFirst Credit Union VISA Platinum FAQ

Does MembersFirst Credit Union VISA Platinum have a cash back or rewards program?

MembersFirst Credit Union VISA Platinum is a rewards card.

MembersFirst Credit Union VISA Platinum Rewards

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

What are the MembersFirst Credit Union VISA Platinum benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for MembersFirst Credit Union VISA Platinum?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

MembersFirst Credit Union VISA Platinum has a fixed purchase APR of 8.99%. It also has a fixed cash advance APR of 8.99% .

What are the fees for MembersFirst Credit Union VISA Platinum?

The following fees apply:

MembersFirst Credit Union VISA Platinum Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	up to $30

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

Does MembersFirst Credit Union VISA Platinum report your account activity to credit bureaus?

Yes, MembersFirst Credit Union VISA Platinum 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 MembersFirst Credit Union VISA Platinum

• Visit the MembersFirst Credit Union VISA Platinum 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.