Consolidate your debt with 0% introductory APR for 12 months on balance transfers*
Transfer high-interest balances and enjoy 0% APR for 12 months, giving you time to focus on paying down debt instead of paying interest. When the introductory period ends, you'll still benefit from a lower interest rate and no annual fee, helping you save more as you work toward becoming debt-free.
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 stay low and no extra fees
APR as low as 10.25% on purchases after the introductory APR* and no annual fee.
Easy to Manage
Manage your card online, get fraud alerts, set up automatic payments in Online Banking, and shop securely with EMV chip technology.
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 by Phone
Call us at 281.754.1470 to ask questions or start a credit card application by phone.
Disclosures
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships and credit products are subject to approval.
* Credit Card Annual Percentage Rates (APR) accurate as of December 31, 2025. For a complete summary of our credit card rates and solicitation disclosure, Print Current Credit Card Rates (PDF)
Introductory 0% APR applies to purchases for 6 months and balance transfers for 12 months from account opening. After each introductory period, the APR will be 10.25% up to 18.00% based on creditworthiness. APR varies with the Prime Rate.
Balance transfers must be initiated within 180 days, may take up to 15 business days to process, and are subject to a 3% balance transfer fee. Continue making payments on transferred accounts until complete.