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
Redeem Points
Redeem points for 1% cash back, merchandise, travel, gift cards, and much more.
Redeem pointsIncrease 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
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
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
Low interest rate
In addition to earning rewards, get a great low rate starting at 12.990% 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.
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.
Card Protections
Your Members 1st credit card comes with these enhanced protection benefitsPurchase 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
ID THEFT PROTECTIONYour partner against identity theft
ID Navigator has the tools to help keep you informed of threats that may affect your identity.
Learn More
Contactless Purchases
Making 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
Rewards Calculator
Choose how much you spend each month to see how many rewards points you can earnCompare Credit Cards
See how the Memberperks Rewards card stacks up against the competitionComparison 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 PointsRates
Credit Card Rates
9.990%
non-variable(fixed rate)
12.990%
non-variable(fixed rate)
18.990%
non-variable(fixed rate)
24.990%
non-variable(fixed rate)