The card that gets what you need, with low rates and no annual fees
When you join Members Choice Credit Union, you could be eligible for the Choice Rate Visa credit card with a low 0% introductory rate* on all balance transfers in the first year.
Get 0% intro APR*
Enjoy 0% introductory APR on purchases within the first 6 months and balance transfers within the first year
Rate that starts at zero and stays low
APR as low as 6.75% on purchases after the introductory APR*
Help without any extra fees
Whether you need help building your credit, keeping an emergency fund, or need cash in a hurry, we’ve got you covered with no annual fee
Explore Choice Rate Visa
- Low variable interest rate options to help you build or rebuild your credit
- Shop with confidence with embedded EMV chip technology
- Online card management and fraud alerts
- Easy automated payment option in Online Banking
Calculate balance transfer savings with our credit card calculator
If you’re a member, you already have access to SavvyMoney — a free, personalized tool in your online banking portal. SavvyMoney is a way to find savings opportunities with a balance transfer from higher-rate credit cards. Login, click on the SavvyMoney link, get your current credit score, then go to “Balance Transfer” under the Credit Card tab.
Ready to get a low interest rate credit card with no annual fees?
Get your card with one of these easy options
Apply by Phone
Or call 281.398.9900 to start your application by phone
Credit Card Resources
Get information and top tips about successful credit card ownership. Get the eBook
Explore Signature Visa with Bonus Rewards
Earn 25,000 bonus rewards points and 2X the points for every purchase with a new Signature Visa. Learn more about Signature Visa
Explore Choice Cash Visa
The card that gets you cashback rewards on purchases with $0 annual fees. Learn more about Choice Cash Visa
Explore Choice Rate Visa
The card that gets what you need, with low rates and no annual fees. Learn more about Choice Rate Visa
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships and credit products are subject to approval including credit approval.
APR = Annual Percentage Rate
*Introductory rate of 0% for 6 months on purchases and an introductory rate of 0% for 12 months on balance transfers from the date of account opening. After introductory period ends, the APR will be 6.75% up to 18.00% based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate.
A balance transfer could take up to six weeks to appear on your new card, depending on your previous card issuer. Check your accounts to track progress, and make sure you continue to make at least the minimum payment on the card you transferred the balance from on time to avoid late fees. 3% Balance Transfer Fee.