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Personal Credit Cards

Low interest credit cards with a 0% Intro APR for 6 months*

 
All of our personal credit cards feature 0% introductory APR rates for 6 months, and 0% balance transfer rates in the first year to help you make the most of your purchases.* Get all the advantages of a Visa credit card along with exclusive benefits of being a Members Choice Credit Union member.

MCCU Choice Rate Visa Credit Card

Choice Rate Visa

Get a rate that starts at 0% and stays low

MCCU Choice Cash Visa Credit Card

Choice Cash Visa

Get cash back on purchases you make

MCCU Signature Visa Credit Card

Signature Visa with Bonus Rewards

2x bonus rewards on every purchase

Compare Credit Cards
Choice Rate Visa
Choice Cash Visa
Signature Visa with Bonus Rewards
Promotional Offer – Earn $150 rebate when you spend $1,000 in the first 90 days Earn 25,000 points for $5,000+ spent in first 90 days
Introductory Rate 0% introductory APR on purchases within the first 6 months*

0% balance transfers within the first year*		 0% introductory APR on purchases within the first 6 months**

0% balance transfers within the first year**		 0% introductory APR on purchases within the first 6 months***

0% balance transfers within the first year***
Interest Rate (after Introductory Rate Ends) 10.25% up to 18.00% APR based on your creditworthiness, when you open your account 11.75% up to 18.00% APR based on your creditworthiness, when you open your account 14.25% up to 18.00% APR based on your creditworthiness, when you open your account
Reward Lowest APR 2% cash rebate on select purchases (groceries, childcare, gym, and utilities) and 1% on all other purchases 2 points for every $1 spent on purchases, redeemable for merchandise, travel, gift cards, and cash
Annual Fee $0 $0 $0

Choice Rate Visa Details Choice Cash Visa Details Signature Visa Details

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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.

APR = Annual Percentage Rate.  Credit Card Annual Percentage Rates (APR) accurate as of December 31, 2025.  

 *Introductory 0% APR applies to purchases for 6 months and balance transfers for 12 months from account opening.  After each introductory period ends, the APR will be 10.25% up to 18.00% variable rate APR based on your creditworthiness. APR varies with the Prime Rate. Balance transfer must be initiated within the first 180 days of account opening in order to qualify for introductory 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. 

**Introductory 0% APR applies to purchases for 6 months and balance transfers for 12 months from account opening.  After each introductory period ends, the APR will be 11.75% 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. 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. $150 cash back requires $1,000 in qualifying purchases within the first 90 days. Balance transfers, cash advances, fees, returned purchases, and non-purchase transactions do not qualify for cash back. Cash back applies to qualifying purchases. 

***Introductory 0% APR applies to purchases for 6 months and balance transfers for 12 months from account opening.  After each introductory period ends, the APR will be 14.25% 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 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.