Credit Cards
REWARD YOURSELF WITH A VISA® CREDIT CARD.
Members First Credit Union of Florida is proud to offer members two rewarding Visa Credit Card options. Each card comes with a fixed rate that is low and competitive, meaning you never have to worry about surprise rate hikes. Learn more about our credit cards below to find the right card for you.
Credit Card Features & Benefits
All Members First Visa® Credit Cards Offer:
- A Low Fixed Interest Rate
- Earn Rewards with your card
- Tap to Pay Functionality
- Easily track spending, make payments, lock/unlock your card, and more by navigating to My Cards in Internet Banking and our Mobile App
- Enhanced security features like EMV Chip technology, fraud monitoring, and zero fraud liability
- 24/7 Cardholder Service
- Pay securely with your card using your smartphone with Digital Wallet services
- Redeem Your Rewards with scorecardrewards.com
Find the Members First credit card that best fits your lifestyle. Choose between a low fixed interest rate card with no annual fee or a lower fixed interest rate card with a low annual fee.
VISA PLATINUM (Without Annual Fee)
12.9% Fixed APR
• Purchases
• Cash Advance
• Balance Transfer
Features
No Annual Fee
Apply For Members First Visa® Platinum ACCOUNT OPENING DISCLOSURE
VISA PLATINUM (With Annual Fee)
10.9% Fixed APR
• Purchases
• Cash Advance
• Balance Transfer
Features
Apply For Members First Visa® Platinum ACCOUNT OPENING DISCLOSURE
VISA SECURED (Without Annual Fee)
12.9% Fixed APR
• Purchases
• Cash Advance
• Balance Transfer
Features
Learn About Secured Credit Cards Speak with a Members First Representative Account Opening Disclosure
VISA SECURED (With Annual Fee)
10.9% Fixed APR
• Purchases
• Cash Advance
• Balance Transfer
Features
Learn About Secured Credit Cards Speak with a Members First Representative Account Opening Disclosure
For every purchase you make using your Members First Visa Credit Card, you'll earn 1 Bonus Point per $1 spent that can be redeemed for:
- Pay With Rewards - Pay for purchases with your rewards at CVS®, Walgreens®, and Walmart®. You can also pay with your rewards on qualifying online purchases at millions of PayPal® merchants globally. Plus, use your bonus points to save on all your fuel purchases by using your card at the pump at a participating Murphy USA®, Amoco® , BP® , Shell® and CITGO® Station.
- Statement Credits - Pay down your credit card balance when you choose to redeem your points for a credit towards your statement.
- Gift Cards - Redeem your points for gift cards to select retailers like Amazon®, Home Depot®, Best Buy®, iTunes®, Xbox LIVE®, or for movie tickets.
- Cash Back - Use your bonus points for a deposit into your account.
- Travel Rewards - Get travel accommodations such as hotel stays at top properties, airfare, car rentals, cruises, and more.
- Merchandise - Get electronics, home goods, personal items, and more from the best brands like Apple®, Michael Kors®, Samsung®, Bose®, Black & Decker®, Pandora®, Ray-ban®, Keurig®, and more.
- Purchase Erase - Redeem2Erase credit card transactions with your bonus points.
- Charity - Use your points to make a donation to a charity of your choice.
- Games & More - Use your points to play games and more for a chance to win gift cards, merchandise from the hottest brands, and other amazing prizes.
- And so much more!
Redeeming Points Is Easy!
Checking your rewards points balances and redeeming them for cash, statement credits, fuel discounts, travel, and more is quick and easy.
New Users:
- Go to scorecardrewards.com.
- Click "Create Account."
- Follow the instructions on the form and submit.
Returning Users:
- Log into scorecardrewards.com.
- Your Rewards Balance can be viewed at the top of the page or by clicking the Account tab.
- Shop Rewards to redeem your points for merchandise, cash back, and more.
Have Questions About Your Credit Card Rewards Points? Call (800) 854-0790
redeem your rewards today at scorecardrewards.com.
Business Credit Card
Every business has unique financial needs. Enhance your business with a Members First Visa® Business Credit Card.
CREDIT CARD RESOURCES
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Avoidable Fees
Late Payment:
$27.00 - First Occurrence
$37.00 - Subsequent Occurrence
Late Payments will be charged $27.00 for the first occurrence and $37.00 for any subsequent occurrence of the same type that occurred during the same billing cycle or during one of the next six billing cycles.
Returned Payment:
$27.00 - First Occurrence
$37.00 - Subsequent Occurrence
Returned Payments will be charged $27.00 for the first occurrence and $37.00 for any subsequent occurrence of the same type that occurred during the same billing cycle or during one of the next six billing cycles.
Disclosures
The information about the costs of the cards described above is accurate as of July 2010. This information may have changed after this date. To find out what may have changed, call (850) 434-2211 or write to:
Members First Credit Union of Florida
P.O. Box 12983
Pensacola, FL 32591-2983
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). Please see your account agreement for an explanation of this method.
Billing Rights: Your account agreement provides information on your rights to dispute transactions and how to exercise those rights.
APR = Annual Percentage Rate. Rates and terms are based on individual credit worthiness. The method of computing finance charges (or interest) for purchases (including new purchase) is based on the Average Daily Balance. Rates are subject to change without notice. For our complete credit card disclosure, click here.
IMPORTANT NOTICE:
Please be aware of phishing calls or text messages that look like they are coming from Members First, our Fraud Detection center, or other government agencies such as the IRS. Use caution on personal information you provide to any third party. You will never be asked to give your PIN, CVV code, Social Security Number, or online banking login information on an Automated Call or Fraud Alert from us. If you get an automated call requesting this information or believe you have been victim of a scam, please hang up and report the incident to us.
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