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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
For every $1 you spend, you earn 1.5x Miles.
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Bonus Miles or Points
We'll match all the rewards new cardmembers have earned at the end of their first year. No purchase caps or minimums. No signing up. And no limit. Only for new cardmembers.
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
Purchase APR
11.25% - 18.00% (Variable) 
11.74% - 23.74% Variable 
16.74% - 23.74% Variable 
Annual Fee
None
$0
$95
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 Discover it® Miles

Discover it® Miles

  • Bonus Miles - For example, if you earn 20,000 Miles, you get 40,000 Miles. We'll match all the Miles you've earned at the end of your first year.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your rewards in any amount for cash or a travel credit.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO(R) Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Discover Match(R) details & other information.
Credit Needed:
Excellent, Good
Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent/Good