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  Michigan First Credit Union Rewards Visa

Michigan First Credit Union Rewards Visa

in Personal Credit Cards from Michigan First Credit Union

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Michigan First Credit Union Rewards Visa

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in Personal Credit Cards from Michigan First Credit Union

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Highlights
Purchase APR  (Variable APR) 7.99% - 19.99%
Balance Transfer APR  (Variable APR) 7.99% - 19.99%
Credit Score Range 650 - 850
Annual Fee $0

Michigan First Credit Union Rewards Visa Review

This is a rewards credit 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Michigan First Credit Union Rewards Visa has a variable 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 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, purchase 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 Michigan First Credit Union Rewards Visa
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Cardholders can earn rewards on purchases everywhere Michigan First Credit Union Rewards Visa is accepted.
  • Michigan First Credit Union Rewards Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
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.

Michigan First Credit Union Rewards Visa Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?

The following fees apply:

Michigan First Credit Union Rewards Visa Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
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 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 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 Michigan First Credit Union Rewards Visa?

The support contact email for Michigan First Credit Union Rewards Visa is help@michiganfirst.com.

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 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 Michigan First Credit Union Rewards Visa

  • Visit the Michigan First Credit Union Rewards Visa 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

  • Headquarters
  •   27000 Evergreen Rd. Lathrup Village, MI 48076
    Lathrup Village, MI 48076
  •   Visit Site
  • Email Support

Other Services by Michigan First Credit Union

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View all personal credit cards offered by Michigan First Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 7.99% - 19.99%
Balance Computation Average Daily Balance
Purchase APR (Variable APR) 7.99% - 19.99%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer APR (Variable APR) 7.99% - 19.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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