Special 5.99% Rate Offers for New and Current Michigan First Rewards Mastercard® cardholders!
Special 5.99% Credit Card Rate
Open a Michigan First Rewards Mastercard® today and earn a limited-time 5.99% rate on qualifying merchant transactions* and balance transfers**!How it works:
- Open a Michigan First Rewards Credit Card between 9/1/26 and 12/31/26
- Begin making merchant purchases using your new card, and/or transfer an existing credit card balance to your new Michigan First Rewards Mastercard®
- Enjoy 5.99% APR for six months from the
- date the first qualifying balance transfer posts to your card between 9/1/26 - 12/31/26
- month the card is opened for qualifying merchant transactions
Special 5.99% Rate on Balance Transfers**
Transfer existing balances from other credit cards to your Michigan First Rewards Mastercard® and benefit from our limited-time 5.99% APR balance transfer offer!**Enjoy the convenience of having everything in one place, and unlock more possibilities.
How to qualify:
- Transfer existing credit card balances to your Michigan First Rewards Credit Card between September 1, 2026 and December 31, 2026
- Enjoy 5.99% APR for six months from the date the first qualifying balance transfer posts to your card
3x Rewards on Gas and EV Charging
Earn more rewards on routine purchases! From now through September 30, you can earn3X rewards at gas stations and EV charging stations using your Michigan First Rewards credit card***. That means more points, more perks, and even more reasons to use your card every day.
With these extra points, you can redeem rewards faster – whether it's cash back in your pocket with gift cards to your favorite store, travel rewards, or charitable donations. It's a simple way to make the most of your essential spending. Don't miss out on this limited-time offer. Start earning more today!
Credit Card Perks
Low introductory rate
Choice of Visa® card design
Earn rewards for your spending
New Look, Same Great Rewards
We've given our Rewards portal a fresh new update to improve your experience. While the layout might look a little different and open in a new window, everything you know and love is still right where you need it. Once you're logged in, head to Account to see an overview of your transactions, order history, points and more — all in one convenient place. Your Rewards are just as easy to access but now with a refreshed look. View your Rewards here.
*New Michigan First Rewards credit cards opened between September 1 and December 31, 2026, receive an introductory annual percentage rate (APR) of 5.99% for all merchant transactions for six months from the month the card is opened. Cash advances and balance transfers are excluded. Existing card line increases or converting from a Secured card to a Rewards card are excluded. Accounts must be in good standing. Terms and conditions are subject to change. Some restrictions may apply. Rates below will be in effect following the conclusion of the introductory APR. Subject to Card Agreement and Truth-in-Lending disclosure below.
**Qualifying balance transfers that post to your Michigan First Rewards credit card account between September 1 and December 31, 2026, receive an introductory annual percentage rate (APR) of 5.99% for six months from the date the first qualifying balance transfer posts to the credit card account. The 5.99% APR applies to balances from a non-Michigan First Credit Union credit card only; no other transactions qualify. All balance transfers are subject to credit approval. Account must be in good standing. Terms and conditions are subject to change. Some restrictions may apply. Rates below will be in effect following the conclusion of the introductory APR. Subject to Card Agreement and Truth-in-Lending disclosure below.
**Qualifying balance transfers that post to your Michigan First Rewards credit card account between September 1 and December 31, 2026, receive an introductory annual percentage rate (APR) of 5.99% for six months from the date the first qualifying balance transfer posts to the credit card account. The 5.99% APR applies to balances from a non-Michigan First Credit Union credit card only; no other transactions qualify. All balance transfers are subject to credit approval. Account must be in good standing. Terms and conditions are subject to change. Some restrictions may apply. Rates below will be in effect following the conclusion of the introductory APR. Subject to Card Agreement and Truth-in-Lending disclosure below.
View Card Agreement and Truth-in-Lending disclosure
***Purchases made at Gas Stations and EV Charging Stations qualify to earn TRIPLE the Rewards points. Qualifying merchants include 5541 and 5542 for Gas Stations and 5552 for EV Charging Stations. Qualifying transactions must post to your account between August 1 and September 30, 2026. Transactions made at non-qualifying merchants do not apply for triple the Rewards and receive the standard Rewards rate of 1.5 points for a Michigan based transaction and 1 point for all others. Michigan First Credit Union does not control how merchants are categorized or the date in which transactions post to your account. Michigan First Credit Union does not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify for the bonus Rewards offer. Cash advances and balance transfers are not eligible for Rewards. To earn bonus Rewards points, you must be a cardholder in good standing. Bonus point Rewards from qualifying transactions will be posted to your Rewards account within 3 to 5 business days after the transaction posts to your card account. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions may apply.
***Purchases made at Gas Stations and EV Charging Stations qualify to earn TRIPLE the Rewards points. Qualifying merchants include 5541 and 5542 for Gas Stations and 5552 for EV Charging Stations. Qualifying transactions must post to your account between August 1 and September 30, 2026. Transactions made at non-qualifying merchants do not apply for triple the Rewards and receive the standard Rewards rate of 1.5 points for a Michigan based transaction and 1 point for all others. Michigan First Credit Union does not control how merchants are categorized or the date in which transactions post to your account. Michigan First Credit Union does not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify for the bonus Rewards offer. Cash advances and balance transfers are not eligible for Rewards. To earn bonus Rewards points, you must be a cardholder in good standing. Bonus point Rewards from qualifying transactions will be posted to your Rewards account within 3 to 5 business days after the transaction posts to your card account. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions may apply.