Double Points Credit Card Promotion

Earn Double Rewards on Qualifying Purchases Made at Restaurants and Retail Stores* 

New Experience Michigan First Rewards® Visa® cardholders will receive:

An introductory rate of 4.99% APR* through your August statement for transactions that post to your card between October 1, 2019 and January 15, 2020 (cash advances and balance transfers are excluded).

All Experience Michigan First Rewards® Visa® cardholders will receive:

Double Rewards for Qualifying Retail and Restaurant Purchases

When you shop with your Experience Michigan First Rewards® Visa® you’ll earn double rewards points on qualifying purchases for gas, clothing, groceries, back-to-school supplies, dorm essentials and home goods that post to your account between October 1, 2019, and December 31, 2019.*

Earn 2x Rewards on things like:

  • Grocery stores
  • Restaurants
  • Fast food
  • Department stores
  • Clothing stores
  • Discount stores
  • Wholesale clubs

These rewards are only one reason to have an Experience Michigan First Rewards® Visa® card, but there are many other benefits to having our card in your wallet:

  • No annual fee or balance transfer fee
  • Music downloads
  • Earn reward points for using our credit card and extra points for spending in Michigan
  • Access to your card through your digital wallet
  • 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, 2019 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.

APR = Annual Percentage Rate. Balance transfers of existing Michigan First loans are not eligible. Cash advances are excluded.