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About Our Ratings
Credit Needed
Excellent

Members 1st FCU Visa® Platinum Select Credit Card Review

Top Features

Points or Miles
Bonus Miles or Points
Purchase APR
8.5% - 16.0%, based on your creditworthiness (Variable)
Annual Fee
None

This card compared to other airlines cards

Points or Miles
Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
Double AAdvantage(R) miles on eligible American Airlines purchases*
Bonus Miles or Points
Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
Earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
Purchase APR
8.5% - 16.0%, based on your creditworthiness (Variable)
15.49%-19.49% Variable 
14.24% - 22.24%* (Variable) 
Annual fees
None
$0 intro annual fee for the first year, then $95
$95, waived for first 12 months*
Rates and Fees
CardRatings.com Editorial Staff

Members 1st FCU Visa® Platinum Select 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:
 5.00% - 12.50%
 5.00% - 12.50%
 5.00% - 12.50%
APR:
  8.5% - 16.0%, based on your creditworthiness
(Variable)
 8.5% - 16.0%, based on your creditworthiness
 8.5% - 16.0%, 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:
 Penalty APR may be applied to your account if you are 60 days or more past due.

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:
 N/A
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
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 Airlines
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Bank of America® Cash Rewards for Business MasterCard® Credit Card

Bank of America® Cash Rewards for Business MasterCard® Credit Card

  • Get a $100 statement credit after $500 in purchases within 60 days of account opening - with no annual fee and no limit to the base cash back you can earn
  • 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that)
  • Redeem your cash rewards for cash back, or apply them to a Bank of America(R) savings or checking account
Credit Needed:
Excellent