Enjoy financial flexibility.
Earn rewards or work to improve your credit score.
Updated Card Design
Low interest rates
Anti-fraud protection
Experience the benefits of our credit cards
Michigan First has a lot to offer. That's why we have a credit card that rewards you for making purchases at local businesses, travel destinations, and more in our great state. We also offer a Secured Credit Card that will help you establish a solid credit history or rebuild your credit rating.
Card Benefits
- Earn 1.5 reward points per dollar on Michigan purchases
- Earn 1 point per dollar on other purchases
- Redeem points for gift cards, travel, experiences, theme parks, concerts, sporting and theater events, and more. Points can also be used to donate to a Michigan charity.
- No annual fee or balance transfer fee
- Low interest rates
Mastercard® Provided Benefits
Trip Cancellation and Delay Insurance
Reimburses non-refundable expenses if your trip is canceled or interrupted for a covered reason and your travel was purchased using your covered card. Coverage also includes meals and lodging if your trip is delayed due to a covered reason.**
Auto Rental Collision Damage Waiver
Decline the rental agency's collision coverage and charge the full cost to your covered card. Get coverage for theft and collision damage for most rental vehicles in the U.S. and aboard. In the U.S., this coverage is secondary to your personal auto insurance.**
ID Theft Protection
Enjoy proactive monitoring and expert resolution services if your identity is compromised. Available to all eligible U.S. Mastercard cardholders.**
Extended Warranty Protection
Add up to an additional year to your qualifying warranty with Extended Warranty Protection, available for purchases made with your covered card.**
Priceless Platform
The Priceless Platform serves as a single connection point to display information on your available benefits and insurances; Priceless Experiences helps you book travel through Expedia and file claims when needed.
And More!
**With the exception of Travel and Emergency Assistance Services, benefits are available when you make a qualifying purchase with your card. Restrictions, limitations and exclusions apply. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverage. Benefits do not apply to cardholders whose account has been suspended or cancelled.
View Rates and Fees
View Card Agreement and Truth-in-Lending disclosure
| Credit Card Type | APR APR as low as* |
|---|---|
| Michigan First Rewards® Mastercard® | 12.74% |
*APR = Annual Percentage Rate. Rates are based on credit score and subject to change without notice. The better the credit, the better the rate. Call Michigan First for details at 800.664.3828.
Card Benefits
- A great tool to help establish or rebuild credit
- Card is secured by the funds in a Michigan First Savings Account
- After 12 months of successful account management, cardholders may be eligible to apply for the Michigan First Rewards® Mastercard®
- Experience peace of mind with Mastercard 24/7 Anti-Fraud and ID Theft Protection
Mastercard® Provided Benefits
Trip Cancellation and Delay Insurance
Reimburses non-refundable expenses if your trip is canceled or interrupted for a covered reason and your travel was purchased using your covered card. Coverage also includes meals and lodging if your trip is delayed due to a covered reason.**
Auto Rental Collision Damage Waiver
Decline the rental agency's collision coverage and charge the full cost to your covered card. Get coverage for theft and collision damage for most rental vechiles in the U.S. and aboard. In the U.S., this coverage is secondary to your personal auto insurance.**
ID Theft Protection
Enjoy proactive monitoring and expert resolution services if your identity is compromised. Avaliable to all eligible U.S. Mastercard cardholders.**
Extended Warranty Protection
Add up to an additional year to your qualifying warranty with Extended Warranty Protection, available for purchases made with your covered card.**
Priceless Platform
The Priceless Platform serves as a single connection point to display information on your available benefits and insurances; Priceless Experiences helps you book travel through Expedia and file claims when needed.
And More!
**With the exception of Travel and Emergency Assistance Services, benefits are available when you make a qualifying purchase with your card. Restrictions, limitations and exclusions apply. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverage. Benefits do not apply to cardholders whose account has been suspended or cancelled.
View Rates and Fees
View Card Agreement and Truth-in-Lending disclosure
Touch-Free Payments
Checking out at your favorite places just got even easier. In addition to inserting or swiping at checkout, you can now tap to pay with the Experience Michigan First Rewards® Mastercard®. Simply tap your card and head on your way.
Fast
Faster than using traditional card readers.
Easy
Tap your card at checkout anywhere the contactless indicator is displayed.
Secure
Offers the same high level of security as chip cards.
Is Your Card Contactless?
If your card has this symbol 
on the back, you can tap to pay. If you have questions about contactless cards, please call our 365 Live Team at 800.664.3828.
Michigan First Mastercard® Credit Cards
Michigan First is a full-service credit union with branches that are easily accessible around Metro Detroit, Grand Rapids and mid-Michigan.
