Skip Navigation Skip to Online Banking Skip to Accessible Content

Credit Card

Apply Now

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
Apply Now

Redeem Points

Redeem points for 1% cash back, merchandise, travel, gift cards, and much more.

Redeem points

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
Request Credit Line Increase

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

Transfer Your Balance Today

  • 4.99% APR* for 12 Months1
  • No Transfer Fee
  • No Deferred Interest
Learn More

1 Subject to credit approval on new cards. Promotional rate is 4.99% fixed APR for 12 months. Thereafter, the prevailing APR will be applied to the outstanding balance. Limited time offer.

Card Features

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.

Additional Features

Credit Builder

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 Memberperks 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.

Fuel Discounts

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.

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.

Auto rental collision damage waiver

Purchase a rental vehicle with your Members 1st Visa Classic credit card for added security. Received reimbursement for any damages due to collision or theft up to the actual cash value of most rental vehicles. Learn more about the auto rental collision damage waiver.

Cardholder inquiry services

Enjoy 24/7 phone support for Visa specific card enhancements. Learn more about the cardholder inquiry services.

Emergency cash/card replacement

Collect emergency cash or have your card replaced quickly if ever lost, stolen or damaged. Overnight replacement cards are subject to the rate and fee schedule.

Cardholder Protection Benefits

Protect your purchases from the unexpected

Purchase 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

Contactless Purchases

Making contactless purchases is as easy as look, tap, and go.
wifi symbol

LookFind the Contactless Symbol at checkout

Contactless card tapping a credit card terminal

TapSimply tap your contactless card on the checkout terminal

stick figure walking away

GoYour payment is processed in seconds

Rewards Calculator

Choose how much you spend each month to see how many rewards points you can earn
Choose your monthly spending
$100 $5,000
Your monthly spending of $ will earn you annually $ cash back or redeemable points.


Credit Limit

Maximum initial credit limit of $1,000.

Employment History

Employed with current employer for a minimum of 18 months.

Income Verification

Provide current proof of income and residency.

Wealth 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.


Credit Card Rates

APR* as low as

VISA Classic

$15,000 Max Limit

Apply Now Learn More


non-variable(fixed rate)

VISA Memberperks

$15,000 Max Limit

Apply Now Learn More


non-variable(fixed rate)

VISA Share Secured

$15,000 Max Limit

Apply Now Learn More


non-variable(fixed rate)

VISA First

$1,000 Max Limit

Apply Now Learn More


non-variable(fixed rate)

View Rate Sheet
Apply now or speak with one of our loan officers at (800) 303-3838.
This site uses cookies to store information on your computer/device and collect personal information. Cookies help us enhance site navigation, analyze site usage, assist in our marketing efforts, and to show you personalized advertising. We encourage you to read our Privacy Policy to learn more about how we use cookies and how we collect and use visitor data. By continuing to use this site, you consent to the placement of these cookies and our Privacy Policy.