closeup of hand holding a credit card while making a store purchase

Personal Credit Cards

We have a credit card option for every lifestyle

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***
Reward Low 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 $75

Choice Rate Visa Details Choice Cash Visa Details Signature Visa Details

Ready to get a low interest rate credit card?

 
Get your card with one of these easy options

Apply Online

Apply online now to receive your card by mail, or pickup at your nearest branch

Apply by Phone

Or call 281.398.9900 to start your application by phone
 
 
 
 
 
 
 
 
 
 
 
 

Credit Card Resources

Card Ownership

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Visa Checkout

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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 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 6.75% 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.

**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 8.25% 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.

***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 10.75% 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.

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.