Apply Now
Start your free application now and get an online decision in as little as a few minutes.
- Apply online with no branch visits
- No application fee or obligations
Transfer Your Balance
Transfer a balance from your high interest credit card for a lower rate with no annual fee.
- Payoff high interest credit cards
- No annual fee
Increase Your Credit Line
Request an increase in your credit line and receive your increase in as few as 24 hours.
- Request line increase online
- Receive increase in as few as 24 hours
Card Features
Low interest rate
Get a great rate starting as low as 12.99% APR*.
$0 Annual fee
Pay no annual fee with the Members 1st Visa Classic credit card.
Card Controls
Control your card from the mobile app and online banking. Turn purchasing off when not in use or mark as lost or stolen to get a replacement card.
Visa zero liability policy
Shop with confidence knowing you won’t be held liable for any fraudulent charges made with your card or account information. Learn more about the VISA zero liability policy.
Roadside dispatch services
Utilize Visa’s pay-per-use roadside assistance program offering towing, winching, gas, and other auto-related services. Learn more about the roadside dispatch services.
Low cash advance APR
Most other financial institutions charge an inflated APR on cash advances, much higher than your purchase APR. Your Members 1st Visa Classic credit card cash advance APR is the same as your purchase APR, saving you money on finance charges.
Card Protections
Your Members 1st credit card comes with these enhanced protection benefitsPurchase ProtectionProtection from the unexpected
Protection for your purchases against theft from your home or other location up to $1,000 per item.
Learn More
Return ProtectionEnjoy a more flexible return policy
Extra return protection from merchants anytime you make an eligible purchase of an item up to $250.
Learn More
Travel ProtectionAdd peace of mind to your itinerary
Coverage for your non-refundable fare in case of trip interruption or cancellation up to $2,000 per trip.
Learn More
ID Theft ProtectionYour partner against identity theft
ID Navigator has the tools to help keep you informed of threats that may affect your identity.
Learn More
Contactless Purchases
Making contactless purchases is as easy as look, tap, and go.
LookFind the Contactless Symbol at checkout
TapSimply tap your contactless card on the checkout terminal
GoYour payment is processed in seconds
First-Time Credit Card Program
Build your credit history today. Future you will thank you!
Overview
Designed for young adults looking to build their credit history, the First-Time Credit Card program provides you with your first credit card without requiring a co-signer or guarantor. Our stress-free application process allows you to apply online or your nearest branch. Rest assured, our loan officers will walk you step-by-step through the loan process to make your first credit card experience easy and enjoyable.
- Maximum credit limit of $1,000
- Employed with current employer for a minimum of 18 months
- Proof of income and residency
- No annual fees
- Contactless purchasing
- Purchase, return, travel, and ID theft protection
Interest Savings Calculator
Choose the interest rate of your current credit card and your monthly spending to see how much you could save with our Visa Classic card.
The figures entered on the input page of this calculator are for hypothetical purposes only. You should enter figures that are appropriate to your individual situation. The results provided by this calculator are also intended for illustrative purposes only and accuracy is not guaranteed. Members 1st Credit Union and its affiliates are not tax or legal advisors. This calculator is not intended to offer any tax , legal, financial, or investment advice and does not assure the availability of or your eligibility for any specific product offered by Members 1st Credit Union, its affiliates or any other institution, nor does this calculator predict or guarantee the actual results of any investment product. The terms and conditions of products offered by institutions will differ and may affect the results of the calculator. Please consult with qualified professionals to discuss your situation. The final APR may differ from the APR in the above results due to additional fees that may be applicable. Please contact a Members 1st Credit Union loan specialist for an accurate estimate on your personal finances.
Compare Credit Cards
See how the Members 1st Classic Visa Card stacks up against the competitionComparison based on information obtained on issuers' websites or from customer service representatives as of November 2021.
See which Members 1st card is right for you
Compare all Members 1st credit card features and benefitsWealth Protection
Protect yourself and your family from unexpected life events. Receive credit card payment assistance and/or forgiveness with a Wealth Protection plan from Members 1st.Rates
Rates
APR* as low as
Rates
12.99%
non-variable(fixed rate)
18.99%
non-variable(fixed rate)
23.99%
non-variable(fixed rate)