What do you want from your card?
No matter your credit score or spending habits, we've got a card for you.
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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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.
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™.
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.
Resources
3 Ways to De-Stress and Enjoy Vacation
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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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.
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.