Visa Memberperks
Credit Card
Rewards card
12.99% - 24.99% APR
Description
Receive 10k signup bonus points1. Earn rewards points redeemable for 1% cash back, gift cards, travel, and more.
Balance Transfer
2.5% of each transaction (minimum $5)
Visa Classic
Credit Card
Low rate card
9.99% - 25.49% APR
Description
A super low rate makes it a great option for tackling planned and unplanned expenses.
Balance Transfer
No balance transfer fee2
Visa FIRST
Credit Card
First–time credit card
24.99% APR
Description
Receive 10k signup bonus points1. Start a Visa FIRST card and earn rewards points redeemable for 1% cash back, gift cards, travel, and more.
Balance Transfer
2.5% of each transaction (minimum $5)
Visa Share Secured
Credit Card
Credit building card
18.99% APR
Description
The best way to start establishing credit to ensure better rates and terms from future lenders. Earn rewards with no annual fee.
Balance Transfer
2.5% of each transaction (minimum $5)
1. Receive 10,000 bonus points after spending $1,000 in the first 60 days of card opening.
2. No balance transfer fees on non-Members 1st credit cards; otherwise, a balance transfer fee of 2.5% of each transaction (minimum $5) will be assessed.
Available with all Credit Cards
Cash advance fee
3% of each transaction (minimum $5).
$0 Annual fee
Pay no annual fee with any Members 1st credit card.
Card security
All purchases are monitored daily. Receive text and phone alerts when suspicious activity occurs.
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.
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.
Auto rental collision damage waiver
Purchase a rental vehicle with your Members 1st credit card for added security. Receive 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.
Fixed Interest Rate
Enjoy an industry leading fixed (non-variable) interest rate on all Members 1st credit cards.
Chip enabled
Your EMV credit card comes with an encrypted microchip embedded in the card, providing an enhanced layer of security to your transactions.
Apple, Samsung, and Google Pay Ready
You already use your phone for just about everything. Now you can pay with it, too. Visit MembersOnline.org/Pay to learn more
Online, mobile, and telephone account access
Unlimited access to your account with Online Banking, Mobile Banking, Telephone Banking, and the Mobile App.
eStatements/eAlerts
Receive email and text notifications for activity alerts on your account. Plus, access your card statements electronically from anywhere with eStatements.