Enjoy financial flexibility.

Earn rewards or work to improve your credit score.

Choice of Visa® 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 purchases made in Michigan
  • Earn one point per dollar on other purchases
  • Redeem points for gift cards, Michigan travel and experiences, theme parks, concerts, sporting and theater events, and more. Points can also be used for charitable donations. 
  • No annual fee or balance transfer fee
  • Low interest rates
  • Experience peace of mind with Visa® 24/7 Anti-Fraud and ID Theft Protection

Visa® Provided Benefits

Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire cost to your covered card. Coverage is provided for theft and collision damage for covered rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.**

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.**

Travel and Emergency Assistance Services
If you run into a problem traveling, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. No card purchase is required.**

Purchase Security
Covers new retail purchases made with your card in the event of theft or damage due to fire, vandalism or accidentally discharged water or certain weather conditions within the first 90 days from the date of your purchase.**

**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*
Experience Michigan First Rewards® Visa® 13.99%

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 Experience Michigan First Rewards® Visa®
  • Experience peace of mind with Visa® 24/7 Anti-Fraud and ID Theft Protection

Your Secured Visa® Credit Card also provides Auto Rental Collision/Damage Coverage through Visa®.

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® Visa®. Simply tap your card and head on your way.

Faster than using traditional card readers.

Tap your card at checkout anywhere the contactless indicator is displayed.

Offers the same high level of security as chip cards.

Is Your Card Contactless?
If your card has this symbol contactless payments icon 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.

Experience Michigan First Rewards® Visa® Credit Card Options


Credit Card: Dark Color Card

Credit Card: Light Color Card

Credit Card: Bridge

Credit Card: Fall Foliage

Credit Card: Greektown Cityscape

Credit Card: Skyline
Detroit Skyline

Michigan First is a full-service credit union with branches that are easily accessible around Metro Detroit, Grand Rapids and mid-Michigan.