Credit Card Promotion

Experience Michigan First Rewards® Visa®

Special 3.99% APR* on balance transfers for all new and current cardholders.

Low introductory rate
Choice of Visa® card design
Earn rewards for your spending

New and Current Experience Michigan First Rewards® Visa® cardholders

  • 2x rewards on qualifying purchases related to summer fun and back-to-school that post between July 1 and September 30, 2021.*
  • 3.99% APR on balance transfers for seven statement cycles from the date of the first qualifying balance transfer that posts between July 1 and September 30, 2021**

New Experience Michigan First Rewards® Visa® cardholders

  • Cards opened between July 1, 2021 and September 30, 2021 receive an introductory rate of 3.99% for all merchant transactions (cash advances excluded).

This introductory rate will apply for seven statement cycles from the open date. Any balance remaining will revert to the regular rate beginning with the eighth statement cycle from the open date.***  

Additional benefits include:

  • No annual fee or balance transfer fee.
  • An attractive annual percentage rate (APR).
  • Security features including the ability to set transaction alerts and turn your card on and off.
  • Earn rewards points for using our credit card and extra points for spending in Michigan.
  • Redeem reward points for merchandise, travel, gift cards and more.

Retail credit cards often lure you in with discounts at the store, but hit you with high interest rates and fees later. The Experience Michigan First Rewards® Visa® offers low rates and low fees so you can shop worry-free all year.

If you’re interested in an Experience Michigan First Rewards® Visa® credit card or simply want to learn more about this offer, call our 365 Live team anytime at 800.664.3828.

* Qualifying transactions, earning 2X rewards for this offer, must post to your account between July 1 and September 30, 2021 and must have the required merchant code signifying the transaction as a retail, restaurant, or gasoline purchase. Transactions made at non-qualifying merchants do not apply, and Michigan First does not control how merchants are categorized or the date in which transactions post to your account. Qualifying retail merchant codes include: 5192 and 5942 (Book Stores, Periodicals, and Newspapers); 5943 (Office/School Supply Stores such as Office Max/Depot); 5719 (Miscellaneous Home Furnishings such as Bed Bath & Beyond); 5200 (Home Supply Warehouse Stores such as Home Depot and Lowes); 5300 (Wholesale Clubs such as Costco and Sam’s Club); 5310 (Discount Stores such as Target and Walmart); 5311 (Department Stores such as JC Penney and Kohl’s); 5411 (Grocery Stores); 5611, 5651, and 5691 (Family Clothing Stores such as TJ Maxx, Marshalls, Old Navy, Tommy Hilfiger, American Eagle and North Face); 5732 (Electronic Stores such as Best Buy); and 5912 (Drug Stores and Pharmacies such as CVS, Rite Aid, and Walgreens). Qualifying gasoline/fuel station merchant codes include 5541 (Pay Inside) and 5542 (Pay at the Pump). Qualifying restaurant merchant codes include 5812 (Restaurants) and 5814 (Fast Food Restaurants). Michigan First 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 reward points, you must be a cardholder in good standing. Bonus reward points from qualifying transactions will be posted to your rewards account approximately 10 working days after the previous months’ purchase activity. All purchases are subject to credit approval. Terms and conditions subject to change. Some restrictions may apply.

** Qualifying balance transfers must post to your account between July 1 and September 30, 2021. This offer is valid for seven statement cycles from the first qualifying balance transfer. 3.99% rate applies to balances from a non-Michigan First credit card. All balance transfers are subject to credit approval. Account must be in good standing. Terms and conditions subject to change. Some restrictions may apply. Merchandise transactions and cash advances are excluded. Limited time offer.

*** New cards opened between July 1 and September 30, 2021 receive an introductory rate of 3.99% for all merchant transactions. For merchant transactions, this rate applies for seven statement cycles from the open date. I.e.: account opened in July receives 3.99% rate through the February statement. Cash advances are excluded. Existing card line increases or converting from a Secured card to a Rewards card are excluded.