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About Our Ratings
Credit Needed
Excellent

Members 1st FCU VISA® Platinum Cash Rewards Credit Card Review

Top Features

Cashback on Gas
1% - 2%
Cashback on groceries
1% - 2%
Cashback on other
1%
Annual Fee
None

This card compared to other cash back cards

Card Name
Members 1st FCU VISA® Platinum Cash Rewards Credit Card
Cashback on Gas
1% - 2%
Unlimited 1.5% cash back
1%
Cashback on Groceries
1% - 2%
Unlimited 1.5% cash back
1%
Cashback on other
1%
Unlimited 1.5% cash back
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
for 12 months
Purchase APR
12.00% - 17.99% when you open your account, based on your creditworthiness (Variable)
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
CardRatings.com Editorial Staff

Members 1st FCU VISA® Platinum Cash Rewards Credit Card details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
N/A
Purchase Intro:
APR:
N/A
Purchase APR:
12.00% - 17.99% when you open your account, based on your creditworthiness
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 8.50% - 14.49%
 8.50% - 14.49%
 8.50% - 14.49%
APR:
  12.00% - 17.99% when you open your account, based on your creditworthiness
(Variable)
 12.00% - 17.99% when you open your account, based on your creditworthiness
 12.00% - 17.99% when you open your account, based on your creditworthiness
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 N/A
 N/A
Intro Period:
 N/A
 N/A
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 18.00% (fixed); Penalty APR will be applied to your balances for a minimum period of six months or payment cycles.
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 None
Maximum Default APR:
 (Fixed)
Penalty/Default Trigger:
 The Penalty APR may be applied if your account becomes 60 days delinquent.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 1.0% on multiple currency conversions, 0.80% on single currency conversions.
Late Fee:
 Up to $27 the first time, any subsequent violation within six (6) months up to $37.
Over-the-limit Fee:
 $0; or $15.00 (with Opt-in)
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 Earn 2% cash back on gas and groceries (limits apply). Earn 1% cash back on all other purchases. Or, redeem points for gift cards at ScoreCardRewards.com.
Special Notes:
 Must be a Members 1st FCU member. Return Payment Fee: $20.
Credit Card More Information:

Card Issued By:
 Members 1st Federal Credit Union
General Correspondence Address:
 PO Box 40
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Chase Freedom Unlimited ℠

Chase Freedom Unlimited ℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO(R) Credit Scores for free on statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good