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Your Perks,
Your Points,
Your Way

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

Card Features

Low interest rate

In addition to earning rewards, get a great low rate starting at 12.99% APR

$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.

Bonus perks

Earn 5x points, 3x points, and up to 50% off daily deals from select online stores.

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.

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.

Compare Credit Cards

See how the Memberperks Rewards card stacks up against the competition

Comparison based on information obtained on issuers' websites or from customer service representatives as of February 2015.

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.

Redeem your rewards points

Cash back, travel, merchandise, gift cards, charitable donations, and much more. Redeem Points


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.
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