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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 travel rewards cards

Card Name
Members 1st FCU Visa® Platinum Select Credit Card
Points or Miles
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
1.5 pts/$1
Bonus Miles or Points
Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
Purchase APR
8.5% - 16.0%, based on your creditworthiness (Variable)
N/A 
15.24% - 23.24% Variable APR on purchases and balance transfers 
Annual Fee
None
Introductory annual fee of $0 for the first year, then $195.
$0
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:
 Travel Rewards
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Receive 25,000 Membership Rewards(R) Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent
Apply online for BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% or more. Click "Apply Now" to learn more about Preferred Rewards.
Credit Needed:
Excellent/Good