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Choice Rate Visa Credit Card

The card that gets what you need, with low interest 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.*
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Get 0% intro APR*

Enjoy 0% introductory APR on purchases within the first 6 months and on balance transfers within the first year
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Rate that starts at zero and stays low

APR as low as 12.00% on purchases after the introductory APR*
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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

woman paying for a blended juice drink with her credit cardExplore 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

Have any questions about which consumer credit card best fits your needs? – No credit pull required

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

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

Card Ownership

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.