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VISA PLATINUM CASH REWARDS

VISA Platinum Cash Rewards

Apply Online For A VISA Credit Card (/products-services/loans/online-loan-applications)

Our options include:

VISA Platinum Points Choice Rewards Credit Card (/learn/rates-center/visa-platinum-points-choice-rewards)

VISA Platinum Cash Rewards Credit Card - See Below

VISA Platinum Secured Credit Card (/learn/rates-center/visa-platinum-secured-credit-card)

VISA Platinum Select Credit Card (/learn/rates-center/visa-platinum-select-credit-card)

VISA Platinum Cash Back Rewards Credit Card Disclosure

VISA Platinum Cash Back Rewards Credit Card Disclosure

Annual Percentage Rates (APR) 
for Purchases

APR for Cash Advances, Balance 
Transfers

Penalty APR and 
When It Applies

How to Avoid Paying Interest on 
Purchases

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Interest Rates and Interest Charges*

12.75% to 18.0% based on your creditworthiness at time of application. After account opening, your APR will
vary with the market based on the Prime Rate. Upon renewal your APR may be adjusted based upon your
creditworthiness at that time.

12.75% to 18.0% when you open your account, based on your creditworthiness. 
After account opening, your APR will vary with the market based on the Prime Rate. Upon renewal your APR may be
adjusted based upon your creditworthiness at that time.

18.0% If your account becomes 60 days delinquent. 
How long will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR will be
applied to your balances for a minimum period of six months or payment cycles. Penalty APR will apply until you
become current and make six consecutive minimum monthly payments.

Your due date is approximately 25 days after the close of each billing cycle. We will not charge you interest on
purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash
advances, and balance transfers on the transaction date.

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal
Reserve Board at http://www.consumerfinance.gov/learnmore (http://www.consumerfinance.gov/learnmore).

Annual Fee

Foreign Transaction Fees

None

None

Fees

Penalty Fees

Late Payments

Over Limit Fee (Opt In)

Return Payment Fee

Expedited Card Replacement Fee

Up to $27.00 the first time, any subsequent violation within six (6) months up to $37.00.

Up to $15.00

$20.00

$10.00

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*APR=Annual Percentage 

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How We Will Calculate Your Balance: We use a method called "average daily balance" Including new purchases). 
The above rates and fees are current as of July 1, 2017.

Cash Rewards Information: Your Members 1st FCU VISA Platinum Cash Rewards card will earn 1.0% cash rewards on all new qualifying net purchases (less credits,
returns and adjustments). You will earn cash rewards of 2.0% for all new qualifying net purchases at eligible grocery merchants and gas merchants. Eligible grocery
merchants are classified by standard industry codes (SIC) of 5411 and 5451. Eligible gas merchants are classified by standard industry codes (SIC) of 5541 and 5542.
Each quarter (defined as January through March, April through June, July through September, and October through December) there is a limit of a total of $1,500.00 of the
eligible SIC code merchants to receive the 2.0% cash rewards, after the $1,500.00 limitation for that specific quarter all applicable transactions will receive the standard
1.0% cash reward only. Members 1st FCU cannot be held liable or responsible for merchants that are not properly identified with these SIC codes which will result in
receiving only 1.0% cash rewards. Balance Transfers, Cash Advances, purchasing of money orders or cash equivalents (including ATM advances) are not eligible for cash
rewards. Should your account become 90 days or more delinquent or fall out of good standings any and all accumulated cash rewards will be forfeited.

Cash Rewards Redemption Options: Outline ScoreCard Rewards redemption options, minimum redemption amount $25.00, Non-Expiring Rewards, web site
information, at www.scorecardrewards.com (http://www.scorecardrewards.com).

Balance Transfers: All Balance Transfer requests are determined by your available line of credit and should your request exceed that amount it will be declined. You do
have the ability to request a line of credit increase to support your request if need be. Please allow a minimum of up to two (2) weeks for processing and receipt by the
identified recipients. Members 1st FCU are not responsible for any fees or interest associated with the identified recipient account transfers. It is your responsibility to
make all minimum payments on any account from which you are transferring funds to thus insuring these accounts are in good standings, as well as closing them if you
select. Balance Transfers can be credited directly to a member's checking or savings account. All Balance Transfers incur interest charges at the disclosed APR from the
time of the transaction date, not the check clearing date by the recipient.

VISA Platinum Cash Back Rewards Credit Card Agreement

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© 2017 Members 1st FCU. All Rights Reserved.

  

5000 Louise Drive, PO Box 40

Mechanicsburg, PA 17055

  (800) 283-2328

Routing Number: 231382241

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We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. (http://portal.hud.gov/hudportal/HUD) This credit union is federally insured by the

National Credit Union Administration. (http://www.ncua.gov/Pages/default.aspx)