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Card Comparison

Visa Memberperks Credit Card

Visa Memberperks
Credit Card

Rewards card

12.99% - 24.99% APR

Description
Earn 1 point for every $1 spent redeemable for 1% cash back, travel, merchandise, live events, and much more.

Balance Transfer
2.5% of each transaction (minimum $5)

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Rates and Fees

Visa Classic Credit Card

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 fees on non-Members 1st cards; otherwise, 2.5% of each transaction (minimum $5)

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Rates and Fees

Visa FIRST Credit Card

Visa FIRST
Credit Card

First–time credit card

24.99% APR

Description
New to credit cards? Get your Visa FIRST card and start earning reward points redeemable for cash back, merchandise, and more, all with no annual fees

Balance Transfer
2.5% of each transaction (minimum $5)

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Rates and Fees

Visa Share Secured Credit Card

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)

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Rates and Fees

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.

Cardholder inquiry services

Enjoy 24/7 phone support for Visa specific card enhancements. Learn more about the cardholder inquiry services.

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.

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