Get 10,000 bonus points after qualifying purchases
Spend $1,000 in purchases in the first 60 days of card opening
- Special offer for new cardholders
- Earn 1 point for every $1 spent unlimited
- Redeem points for travel, 1% cash back, merchandise, and more
- No annual fee
Reason to Relax0.00% or 4.99% APR Balance Transfers
Transfer a balance to any Members 1st Credit Card to choose a promotional rate of 0.00% APR* for 6 months or 4.99% APR* for 12 months.Learn More
*APR = Annual Percentage Rate. Subject to credit approval on new cards. Promotional rate is 0.00% fixed APR for 6 months with a balance transfer fee of $5 or 5% of the amount of each balance transfer, whichever is greater, or 4.99% fixed APR for 12 months with no balance transfer fee. Thereafter, the prevailing APR will be applied to the outstanding balance. Limited time offer.
Flexible RewardsEarn cash back, travel, merchandise, and more.
Greater SavingsReceive a low interest rate and no annual fee.
Smart ProtectionSecure your purchases, returns, and travel.
Start establishing your credit history with the Visa FIRST Credit Card. Borrow from lenders with better rates and terms by establishing good credit early.
$0 annual fee
Your Visa FIRST Credit Card Rewards Card comes with no annual fee.
Earn rewards points
Earn 1 point for every $1 spent redeemable for travel, merchandise, 1% cash back, and much more.
Use your rewards card at a BP or Shell station when fueling up and you can redeem your points for rewards at the pump. 2,000 points = $0.50 off per gallon, up to 20 gallons.
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.
Card ProtectionsYour Members 1st credit card comes with these enhanced protection benefits
Purchase ProtectionProtection from the unexpected
Protection for your purchases against theft from your home or other location up to $1,000 per item.
Return ProtectionEnjoy a more flexible return policy
Extra return protection from merchants anytime you make an eligible purchase of an item up to $250.
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.
Contactless PurchasesMaking 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
Maximum initial credit limit of $1,000.
Employed with current employer for a minimum of 18 months.
Provide current proof of income and residency.
See which Members 1st card is right for youCompare all Members 1st credit card features and benefits
Wealth ProtectionProtect yourself and your family from unexpected life events. Receive credit card payment assistance and/or forgiveness with a Wealth Protection plan from Members 1st.
APR* as low as