2X Rewards on Retail Purchases

Couple shoping with the text Shop, Dine and be Merry

Shop for the Holidays and Try all the Best Restaurants to Earn Even More  

When you shop with your Experience Michigan First Rewards® VISA®, you’ll earn double rewards points on purchases at qualifying retail stores and restaurants that post to your account between October 1, 2018 and December 31, 2018. As the holidays approach earn more on gifts, dinner and groceries for parties.

Earn 2X Rewards at these stores and many more:

Earn double points at restaurants, including fast food.


These rewards aren’t the only reason to open a credit card, there are many benefits to having our card like:

  • No annual fee or balance transfer fee
  • An attractive annual percentage rate (APR)
  • Earn rewards points for using our credit card and extra points for spending in Michigan
  • Redeem rewards points for gift cards, merchandise, travel, and more

*Qualifying transactions, earning 2X rewards for this offer must post to your account between October 1 and December 31, 2018 and must have the required merchant code signifying the transaction for purchases at retail stores and restaurants. Qualifying merchant codes include: 5300 (Wholesale Clubs), 5310 (Discount Stores), 5311 (Department Stores), 5411 (Grocery Stores), 5651 (Family Clothing Stores), 5641 (Children’s and Infant’s Wear Stores), 5611 (Men’s and Boy’s Clothing Stores) 5691 (Men’s and Women’s Clothing Stores), 5621 (Women’s Ready to Wear Stores), 5812 (Fast food), and 5814 (Restaurants).

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 bonus reward points, you must be a cardholder in good standing. Bonus point rewards 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.