Experience Michigan First Rewards® Visa®
Special 3.99% APR* on balance transfers for all new and current cardholders.
New and Current Experience Michigan First Rewards® Visa® cardholders
- 2x rewards on qualifying purchases at retail stores, gas stations, and restaurants (including fast food) that post between October 1 and December 31, 2021.*
- 3.99% APR on balance transfers for seven statement cycles from the date of the first qualifying balance transfer that posts between October 1 and December 31, 2021**
New Experience Michigan First Rewards® Visa® cardholders
- Cards opened between October 1, 2021 and December 31, 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.
Visa® 2021 NFL Sweepstakes
All Experience Michigan First Rewards® Visa® cardholders using their card between 09/01/21 and 10/31/21 will be automatically entered for a chance to win a trip to Los Angeles for Super Bowl LVI!****
Every time members use their Visa card to make an eligible purchase, they'll receive an entry into the sweepstakes. The grand prize package includes:
- 2 round-trip flights to Los Angeles, CA
- 2 tickets to Super Bowl LVI
- Hotel accommodation
Click here to view Visa's complete contest rules.
* Qualifying transactions, earning 2X rewards for this offer, must post to your account between October 1 and December 31, 2021 and must have the required merchant code signifying the transaction for purchases at retail stores, gas stations, and restaurants (including fast food). Qualifying merchant codes include: 5300 (Wholesale Clubs), 5310 (Discount Stores), 5311 (Department Stores), 5411 (Grocery Stores), 5611 (Men’s and Boy’s Clothing Stores), 5621 (Women’s Ready to Wear Stores), 5641 (Children’s and Infant’s Wear Stores), 5651 (Family Clothing Stores), 5691 (Men’s and Women’s Clothing Stores), 5942 (Amazon and Bookstores), 5814 (Fast Food), 5812 (Restaurants), 5541 (Fuel Stations – Pay Inside), and 5542 (Fuel Stations – Pay at the Pump). Transactions made at other merchants do not apply and Michigan First does not control how merchants are categorized or the date in which transactions post to your account. 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 October 1 and December 31, 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 October 1 and December 31, 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 October receives 3.99% rate through the May statement. Cash advances are excluded. Existing card line increases or converting from a Secured card to a Rewards card are excluded.
**** NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE VISA 2021 NFL SWEEPSTAKES. Open only to legal 50 U.S. & D.C. residents who are 18 or older as of 9/1/21. Void in P.R. and where prohibited. Begins at 12:00 AM PT on 9/1/21 and ends at 11:59PM PT on 10/31/21 (“Promotion Period”). TO ENTER: 1) Automatic Entry: An eligible Visa cardholder will automatically receive one (1) Sweepstakes entry for each eligible Visa purchase made during the Promotion Period at a participating merchant location in the U.S. BONUS ENTRY: An eligible Visa cardholder will automatically receive one (1) bonus Sweepstakes entry for each eligible contactless Visa purchase made using his/her contactless Visa card or using his/her Visa card with a payment-enabled mobile or wearable device during the Promotion Period at a participating merchant location in the U.S. 2) To Enter by Mail Without Purchase or Obligation: Hand-print your name, street address, city, state, ZIP code, and daytime and evening telephone numbers (including area code), and email address, on plain 3" x 5" paper, and mail it in a #10 envelope with sufficient postage affixed, to: Visa 2021 NFL Sweepstakes, P.O. Box 7740, Melville, NY 11775-7740. Mailed entries must be postmarked between 9/1/21 and 10/31/21, and received by 11/8/21. Enter as often as you wish; however, each mailed entry will count as two (2) entries into the random drawing and must be mailed in a separate postmarked-and-stamped envelope. Mechanical reproductions prohibited. ONE (1) GRAND PRIZE: Super Bowl LVI trip package consisting of a 4-day/3-night trip departing on 2/11/22 and returning on 2/14/22 for two (2) people (winner and 1 guest) to Los Angeles, CA to attend Super Bowl LVI, scheduled to take place on 2/13/22. Prize includes two (2) tickets to Super Bowl LVI, round-trip economy class air transportation for two (2) people from a major U.S. gateway airport nearest the winner’s home, transportation to/from airport and hotel and all scheduled activities, hotel accommodations including breakfast daily (one room, double occupancy), two (2) tickets to the Super Bowl LVI Visa Tailgate and the VIP Super Bowl Experience, one (1) Visa Super Bowl LVI gift (for winner only), and one (1) $275 Visa Prepaid Product. In addition to the aforementioned prize, $7,800 cash will be awarded in the form of a check to winner that can be used toward the payment of income taxes associated with the prize (collectively, the “Grand Prize Trip”). ARV of Grand Prize Trip: $26,750. In lieu of taking the Grand Prize Trip, the winner will have the option of receiving $5,000 cash awarded in the form of a check and a Visa NFL Gift Box valued at up to $5,000. In addition to the aforementioned prize, $3,400 cash will be awarded in the form of a check that can be used toward the payment of income taxes associated with the prize (collectively, the “Grand Prize Cash Option”). ARV of Grand Prize Cash Option: $13,400. ODDS: Estimated odds of winning are 1 in 13,455,666,787; however, the actual odds of winning depend upon the total number of eligible entries received. Sweepstakes subject to complete Official Rules, available at this location and www.visa.com/NFLUltimateSweepstakesFullRules. SPONSOR: Visa U.S.A. Inc., P.O. Box 8999, San Francisco, CA 94128-8999. The NFL Entities have not offered or sponsored this Sweepstakes in any way.