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About Our Ratings
Credit Needed
Excellent

Members 1st FCU Visa® Platinum Points Choice Rewards Credit Card Review

Top Features

Points or Miles
Bonus Miles or Points
Purchase APR
11.25% - 18.00% (Variable) 
Annual Fee
None

This card compared to other travel rewards cards

Card Name
Members 1st FCU Visa® Platinum Points Choice Rewards Credit Card
Points or Miles
Get up to 5 Starpoints(R) for each dollar of eligible purchases at participating SPG(R) hotels - that's 2 Starpoints for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member.
2X miles/$1 on all purchases. Get 5% miles back to use toward your next redemption, every time you redeem
Bonus Miles or Points
25,000 bonus Starpoints(R) after you use your new Card to make $3,000 in purchases within the first 3 months. Earn an extra 10,000 bonus Starpoints(R) after you make an additional $2,000 in purchases within the first 6 months. Offer ends 4/5.
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
Purchase APR
11.25% - 18.00% (Variable) 
15.99%-19.99% Variable 
16.49%, 20.49% or 23.49%* Variable 
Annual Fee
None
$0 introductory annual fee for the first year, then $95.
$89-Waived first year
CardRatings.com Editorial Staff

Members 1st FCU Visa® Platinum Points Choice Rewards Credit Card details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
APR:
N/A
Balance Transfer Fee:
None
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 7.50% - 14.25%
 7.50% - 14.25%
 7.50% - 14.25%
APR:
  11.25% - 18.00% (Variable)
 11.25% - 18.00% (Variable)
 11.25% - 18.00% (Variable)
APR Floor:
 N/A
 N/A
 N/A
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:
 Penalty APR may be applied to your account if your account becomes 60 days delinquent.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 None
Late Fee:
 Up to $27 the first time, any subsequent violation within six (6) months up to $37.
Over-the-limit Fee:
 Up to $15
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 ScoreCard Rewards: Earn merchandise, travel or hotel reservation points every time with a signature-based transaction. Your points don't expire so the more your point balance grows, the more reward options you have available.
Special Notes:
 Must be a Members 1st FCU member. Returned Payment Fee: $20.
Credit Card More Information:

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

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Apply online for Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

  • Earn 25,000 bonus Starpoints(R) after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Limited Time Offer- Earn an extra 10,000 bonus Starpoints(R) after you make an additional $2,000 in purchases within the first 6 months. Offer ends 4/5.
  • Earn 2 Starpoints(R) for each dollar of eligible purchases spent on the Card at participating SPG(R) & Marriott Rewards(R) hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints(R) at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Excellent, Good
Apply online for Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness. Please note, there is a fee for balance transfers
Credit Needed:
Excellent/Good