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

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) 11.50% up to 18.00% APR based on your creditworthiness, when you open your account 13.00% up to 18.00% APR based on your creditworthiness, when you open your account 15.50% 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 $75

Choice Rate Visa Details Choice Cash Visa Details Signature Visa Details

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?

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

Visa Checkout

The easier way to pay online. Enroll here to make online payments easier

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 11.50% 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.

**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 13.00% 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.

***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 15.50% 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.