Get 0% intro APR*
Enjoy 0% introductory APR on purchases within the first 6 months and on balance transfers within the first year
Rate that starts at zero and stays low
APR as low as 12.00% 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
Fill out the short form below to hear from a Loan Officer within the next business day.
Ready to get a low interest rate credit card with no annual fees?
Get your card with one of these easy options
Apply online now to receive your card by mail
Apply by Phone
Call us at 281.754.1470 to ask questions or start a credit card 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 12.00% 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.
Balance transfer must be initiated within the first 180 days of account opening in order to qualify for introductory 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.