Transfer Your Credit Card BalanceTransfer a balance to any Members 1st Credit Card and enjoy a low fixed rate of 4.99% APR* for 12 months. Transfer Now
Start establishing your credit history with the Visa FIRST Credit Card. Borrow from lenders with better rates and terms by establishing good credit early.
$0 Annual Fee
Your Memberperks Rewards Card comes with no annual fee.
Earn Rewards Points
Earn 1 point for every $1 spent redeemable for travel, merchandise, 1% cash back, and much more.
Earn 5x points, 3x points, and up to 50% off daily deals from select online stores.
Visa zero liability policy
Shop with confidence knowing you won’t be held liable for any fraudulent charges made with your card or account information. Learn more about the VISA zero liability policy.
Roadside dispatch services
Utilize Visa’s pay-per-use roadside assistance program offering towing, winching, gas, and other auto-related services. Learn more about the roadside dispatch services.
Auto rental collision damage waiver
Purchase a rental vehicle with your Members 1st Visa Classic credit card for added security. Received reimbursement for any damages due to collision or theft up to the actual cash value of most rental vehicles. Learn more about the auto rental collision damage waiver.
Cardholder inquiry services
Enjoy 24/7 phone support for Visa specific card enhancements. Learn more about the cardholder inquiry services.
Emergency cash/card replacement
Collect emergency cash or have your card replaced quickly if ever lost, stolen or damaged. Overnight replacement cards are subject to the rate and fee schedule.
Maximum initial credit limit of $1,000.
Employed with current employer for a minimum of 18 months.
Provide current proof of income and residency.