Last Updated: 07/28/2025
Michigan First Credit Union Rewards Visa
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
7.99% - 19.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
7.99% - 19.99%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Michigan First Credit Union Rewards Visa Review
This is a rewards card issued by Michigan First Credit Union. If you're wondering whether Michigan First Credit Union Rewards Visa is the right card for you, read on.
Key Takeaways
- APRs: Michigan First Credit Union Rewards Visa has a variable regular purchase APR that ranges from 7.99% up to 19.99%.
- 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.
- 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 Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Michigan First Credit Union Rewards Visa
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Michigan First Credit Union Rewards Visa FAQ
Does Michigan First Credit Union Rewards Visa have a cash back or rewards program?
Michigan First Credit Union Rewards Visa is a rewards card.
| Description |
Does Michigan First Credit Union Rewards Visa have a signup bonus?
This card doesn't offer a cash signup bonus.Does Michigan First Credit Union Rewards Visa offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Michigan First Credit Union Rewards Visa benefits?
Michigan First Credit Union Rewards Visa provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Michigan First Credit Union Rewards Visa?
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.Michigan First Credit Union Rewards Visa has a variable purchase APR that ranges from 7.99% up to 19.99%. The card has a variable balance transfer APR that ranges from 7.99% up to 19.99%. It also has a variable cash advance APR that ranges from 7.99% up to 19.99%.
Does Michigan First Credit Union Rewards Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Michigan First Credit Union Rewards Visa have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Michigan First Credit Union Rewards Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Michigan First Credit Union Rewards Visa have a foreign transaction fee?
Michigan First Credit Union Rewards Visa 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 Michigan First Credit Union Rewards Visa?
The customer service number for Michigan First Credit Union Rewards Visa is (800) 644-3828.
What is the support contact email for Michigan First Credit Union Rewards Visa?
The support contact email for Michigan First Credit Union Rewards Visa is help@michiganfirst.com.
What is the login page for Michigan First Credit Union Rewards Visa?
You can access the login page of Michigan First Credit Union Rewards Visa here.
How do people rate the customer service and user experience of Michigan First Credit Union Rewards Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Michigan First Credit Union Rewards Visa report your account activity to credit bureaus?
Yes, Michigan First Credit Union Rewards Visa 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 Michigan First Credit Union perform a hard credit pull?
Yes, Michigan First Credit Union Rewards Visa 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 Michigan First Credit Union Rewards Visa
- Visit the website of Michigan First Credit Union Rewards Visa.
- 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.
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