Visa Credit Cards

Everyday spending done better

A credit card should make it easier to spend responsibly—not harder. That means big rewards, low interest rates, powerful digital tools, and absolutely no hidden fees. Ready to get started?

What do you want from your card?

No matter your credit score or spending habits, we've got a card for you.

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Unrivaled rewards. Premium perks.

Our Visa Signature® Rewards card offers 1.5% cash back (or 1.5 points) on every dollar spent—with no annual fee. You also get emergency medical coverage, trip interruption insurance, Visa Signature Concierge Service, and so much more.

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Bonus points on gas and groceries

With our Visa Platinum® Rewards card, you get 2% back on gas, groceries, and wholesale club purchases and 1% on all other purchases—with zero annual fee, and more.

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Low rates (that stay low)

Some credit cards lure you in with a low introductory rate—only to hike it up after a few months. Our Visa Platinum® Low Rate card offers an exceptional annual percentage rate (APR) for as long as you keep your card—with no annual or foreign transaction fees.

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A card for second chances

Our Visa Platinum® Secured card is meant to help rebuild credit and is secured with funds in a savings account. It's also a great way for members with no credit history to start building their credit score.

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Compare all cards

Still not sure which card is right for you? Here's a side-by-side comparison of our cards, rates, and benefits.

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Visa Checkout

Visa Checkout makes buying online safe and easy. Shop from hundreds of America's most popular retailers without the need to enter your personal information.

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Mobile Wallet Compatible

Streamline checkout, boost security, and earn bonus rewards. Our Visa cards integrate with Apple Pay®, Android Pay™, Samsung Pay® and PayPal OneTouch™.

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Our app has it all

Need to manage your money on the go? It's never been easier. With our mobile app, you can easily check balances, make transfers, make mobile deposits, set up alerts, and more.

Our Blog


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Sand, sun and relaxation? Count us in! There is no room for stress or frustration on your trip.

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Simplify Shopping with our Visa® Debit Card

Spend less time in the checkout line and more time doing what you want! Our new Visa Debit card provides a safer and more efficient way to purchase items in a store.

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Spend Carefully
5 Must-Have Rewards You Should Look for in a Credit Card

A credit card should make it easier to spend responsibly—not harder. That means big rewards, low interest rates, powerful digital tools, and absolutely no hidden fees.

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Common Questions

There is no annual fee for our Visa Signature Rewards, Visa Platinum Rewards, or Visa Platinum Low Rate cards. There is a $25 annual fee for our Visa Platinum Secured card.

To request a credit limit increase, call our Loan Center at (800) 283-2328 ext. 6040 or apply online.

Lost or stolen cards should be reported to our Card Services expert, call (833) 269-2621. We also offer card controls, so you can lock your card account in real time.

Cardholders have the ultimate control—and peace of mind. You can control how, when and where your payment cards are used. Real-time transaction alerts and controls will provide you with a method to protect your payment information. With card controls, you can:

  • View all your debit and credit cards on one easy to view page.
  • Lock/unlock your debit and credit cards.
  • Initiate a lost/stolen process from this page as well.

We offer multiple automatic payment options, including fixed amount, minimum payment, or pay in full. You can even pay your card ahead. Automatic payments are easy to set up online. After signing into Members 1st Online, click Services > Card Management > Visa EZCardInfo and follow the prompts. You can choose to pay the minimum scheduled payment, a different amount, or your entire card balance each month.

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Ready to apply?

If you're already a member, you can apply for your new card online. If you'd like to become a member, opening an account only takes a few minutes.

We're Here to Help

Getting Ready for Life's Moments and Milestones

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Hear that? It’s the open road calling. Here’s how to get an auto loan quicker and smarter.

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Off to College

Welcome to the start of a new beginning! Here's how to avoid student loans and make the most of saving for college.

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Buying a House

Your home will likely be the biggest investment you ever make. Here’s everything you need to know—and who to talk to if you’d like some personalized guidance.

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Goal Savings

Save for big plans—a little at a time. With great rates and powerful in-app tools, it’s never been easier to set (and achieve) your long-term goals.

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Visa Signature® Card

Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.

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For your protection please be advised that public Internet email is not secure. Various links within our web site allow you to submit information to us by public Internet email. Please DO NOT provide personal or account information through public email or submit any personal information that would compromise your identity including your account number, social security number, credit card numbers, electronic services PINs, passwords or mother's maiden name. Members 1st will not respond via public Internet email to requests-for-account-information or account activity. Please contact Customer Service with these types of requests at (800) 237-7288 or (717) 795-6049.