The card that gets what you need, with low interest rates and no annual fee
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 on balance transfers within the first year
Rate that starts at zero and stays low
APR as low as 10.25% 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
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.
Credit Card Resources
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.