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VISA® Credit Cards

Give yourself the credit you deserve and earn rewards while you’re at it! Choose from VISA Platinum, VISA Classic or VISA Secured.  Each card offers low, non-variable rates and features Visa Account Updater for added security when shopping online and for pre-authorized debits. Plus, whenever you use your card for your everyday purchases you can earn a point for each dollar you spend.

All MembersFirst VISA credit cards feature:

  • VISA ScoreCard Rewards for purchases
  • Auto rental insurance
  • Travel accident insurance**

Upcoming trip?  Don’t forget MembersFirst offers travel accident insurance on our Visa Platinum, Classic and Secured Credit Cards.  Travel with peace of mind with this great benefit in your wallet!

Apply Online or call 404 978-0080

Credit Card Options

VISA Platinum

The Visa Platinum is available to individuals with above average credit history, who are looking for a little extra spending power. A Visa Platinum features:

• Credit limits up to $25,000
• A low, non-variable interest rate
• No annual fee
• 25-day grace period on purchases
• Cash advances at any ATM with the VISA logo
• Visa ScoreCard Rewards

VISA Classic

The VISA Classic offers benefits and features above the standard classic card in the market. It features a generous credit limit that matches your credit habits and offers many of the benefits you see on Platinum programs. The low, non-variable interest rate makes it perfect for the top spot in your wallet. There are no gimmicks plus it features:

• Credit limits up to $10,000
• Low, non-variable interest rate*
• No annual fee
• 25-day grace period on purchases
• Cash advances at any ATM displaying the PLUS or VISA® logo
• Visa ScoreCard Rewards

VISA Secured

A Visa Secured card can help you to establish or build credit while offering the convenience of a credit card. This card is secured by your own funds so you set the limit. A Secured VISA® offers some of the same great benefits of the Visa Classic.

Features include:
• Credit limits up to 80% of your security deposit*
• Non-Variable interest rate
• Low $15.00 annual fee
• 25-day grace period on purchases
• Cash advances at any ATM displaying the VISA logo

A MembersFirst VISA is rewarding–no matter which one you choose…

VISA ScoreCard Rewards

Earn bonus points for your purchases, hotel reservations and car rentals when you use your MembersFirst Visa Credit Card. Redeem your bonus points for top quality merchandise, travel rewards, and long anticipated experiences. View the awards and travel catalogs online at

VISA Account Updater (VAU)

VAU is an account updating service in which your card is automatically enrolled. When your card(s) expire, are lost or stolen and new cards are issued, the service may update relevant card data (card numbers and expiration dates) to appropriate merchants who participate in an effort to facilitate uninterrupted processing of your recurring charges. This service provides updates to a VISA database only. The database is accessed by those qualified merchants seeking your account information after you have requested they process a recurring payment or payments. This service is provided as a free benefit to you. If at any time you wish to opt-out of the VAU service or if you have any questions, please call (404) 978-0080 to do so.


**Beginning December 1st, 2023, MembersFirst will switch travel accident insurance providers.  This necessary switch will still allow us to offer the same great coverage!

Effective July 18th 2018.  All payments of $500.00 and above made to a Visa Credit Card have a three-day delayed availability. Access to the funds from the payment will be available three days after the payment was processed. For example: If payment was made on Thursday,  funds would not be available on the card until Monday. For payments of $500 and above, made as a transfer from available funds in a MembersFirst Credit Union account, please contact the credit union to have the funds released.