Credit Card Promotion

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Experience Michigan First Rewards® Visa®

Enjoy 2X Rewards on Travel and Home Improvement purchases.

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

New and Current Experience Michigan First Rewards® Visa® cardholders

  • 2X Rewards points for travel and home improvement merchant transactions that post between April 1 and June 30, 2022*
  • 3.99% APR on balance transfers that post between April 1 and June 30, 2022 for seven statement cycles from the date the first qualifying balance transfer posts**

New Experience Michigan First Rewards® Visa® cardholders

  • 3.99% APR all merchant transactions for 7 statement cycles from the date the card is opened.***

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 merchant transactions earning 2X Rewards must post to your card account between April 1 and June 30, 2022. Michigan First does not control how merchants are categorized or the date that transactions post to your account. Michigan First does not evaluate whether merchants correctly identify and bill transactions; however, we reserve the right to determine which transactions qualify for the bonus rewards offer. Cash advances and balance transfers are not eligible for Rewards. Rental car and taxi services are excluded from this offer. To earn rewards points, you must be a cardholder in good standing. Qualifying Rewards points will be posted to your Rewards account approximately 15 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 merchants for Travel include, but are not limited to, Air Transportation, Ground Transportation, Travel Services, Hotels/Motels/Resorts, Recreation Vehicles, and Recreation/Amusement Facilities. Qualifying merchant codes include: 4112 (Passenger Railways), 4131 (Bus Lines/Charter/Tour), 4411 (Cruise Lines), 3000 – 3302 and 4511 (Airlines), 4722 (Travel Agencies), 3501 – 3838, and 7011 (Hotels, Motels, and Resorts), 7519 (Motor Home/RV Rentals), 7032 (Sporting/Recreational Camps), 7033 (Trailer Parks/Campgrounds), 7991 Tourist Attractions and Exhibits), 7996 Amusement Parks/Circus), and 7998 (Aquariums/Seaquariums). Rental cars and taxi services are excluded.

Qualifying merchants for Home Improvement include, but are not limited to, Lumber and Building Supplies, Hardware/Paint/Glass, Nursery/Lawn/Garden, Home Furnishings, and Maintenance/Cleaning.  Qualifying merchant codes include: 5200 (Home Supply Warehouse Stores - i.e. Home Depot and Lowes), 5231 (Glass, Paint, Wallpaper Stores), 5251 (Hardware Stores), 0780 (Landscape/Horticultural Service), 5261 (Nurseries and Lawn/Garden Supply), 5713 (Floor Covering Stores), 5714 (Drapery & Upholstery Stores), 5718 (Fireplaces & Accessories), 5719 (Miscellaneous Home Furnishing Specialties), 5722 (Household Appliances), 7217 (Carpet & Upholstery Cleaning), and 7641 (Furniture Reupholstery/Repair). 

** Qualifying balance transfers must post to your account between April 1, 2022 and June 30, 2022. This offer is valid for seven statement cycles from the first qualifying balance transfer. I.e.: first qualifying balance transfer processed on April 2nd, 3.99% rate is applied through the October statement; first qualifying balance transfer processed on April 23rd, 3.99% rate is applied through the November statement. 3.99% rate applies to balances from a non-Michigan First Credit Union 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 April 1, 2022 and June 30, 2022 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 on April 2nd receives 3.99% rate through the October statement; opened on April 28th receives 3.99% through the November statement. Cash advances are excluded. Existing card line increases or converting from a Secured card to a Rewards card are excluded.