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Visa FIRST Credit Card

Visa FIRST Credit Card

Compare Cards | Rates and fees

Apply Now

Start your free application now and get an online decision in as little as a few minutes.

  • Apply online with no branch visits
  • No application fee or obligations
Apply Now

Redeem Points

Redeem points for 1% cash back, merchandise, travel, gift cards, and much more.

Redeem points

Increase Your Credit Line

Request an increase in your credit line and receive your increase in as few as 24 hours.

  • Request line increase online
  • Receive increase in as few as 24 hours
Request Credit Line Increase

Transfer Your Credit Card Balance

Transfer a balance to any Members 1st Credit Card and enjoy a low fixed rate of 4.99% APR* for 12 months. Transfer Now

Card Features

Credit Builder

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.

Bonus Perks

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.

Rewards Calculator

Choose how much you spend each month to see how many rewards points you can earn
Choose your monthly spending
$100 $5,000
Your monthly spending of $ will earn you annually $ cash back or redeemable points.


Credit Limit

Maximum initial credit limit of $1,000.

Employment History

Employed with current employer for a minimum of 18 months.

Income Verification

Provide current proof of income and residency.

Wealth Protection

Protect yourself and your family from unexpected life events. Receive credit card payment assistance and/or forgiveness with a Wealth Protection plan from Members 1st.


Credit Card Rates

APR* as low as

Visa Classic

Low rate card

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non-variable (fixed rate)

Visa Memberperks

Rewards card

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non-variable (fixed rate)

Visa Share Secured

Credit building card

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non-variable (fixed rate)


First-time credit card

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non-variable (fixed rate)

View Rate Sheet
Apply now or speak with one of our loan officers at (800) 303-3838.