Couple looking at device and shopping with credit card

Special interest rates for new Experience Michigan First Rewards® Visa® cardholders:

Cards opened between October 1, 2020 and December 31, 2020 receive an introductory rate of 3.99% for all transactions except cash advances and balance transfers. This introductory rate will apply for seven statement cycles from the open date. Any balance remaining will revert to the regular rate beginning with the eighth statement cycle from the open date.*

 

 

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 holiday 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 around.

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 866.664.3828.

 

 



Double rewards points for all Experience Michigan First Rewards® Visa® cardholders:

When you shop with your Experience Michigan First Rewards® Visa® this holiday season, you’ll earn double rewards points on qualifying retail and restaurant purchases between October 1, 2020 and December 31, 2020.**

Earn 2X Rewards from merchants like:

  • Amazon.com
  • Grocery stores
  • Restaurants
  • Fast food
  • Department stores
  • Clothing stores
  • Discount stores
  • Wholesale clubs

*Cards opened between October 1, 2020 and December 31, 2020 receive an introductory rate of 3.99% for all transactions except cash advances and balance transfers. This introductory rate will apply for seven statement cycles from the open date. Any balance remaining will revert to the regular rate beginning with the eighth statement cycle from the open date. For example, account opened in November 2020 receives 3.99% through and including the June 2021 statement.

**Qualifying merchant transactions earn 2X rewards for this offer and must post to your account between October 1 and December 31, 2020, 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), 5611 (Men’s and Boy’s Clothing Stores), 5621 (Women’s Ready to Wear Stores), 5641 (Children’s and Infant’s Wear Stores), 5651 (Family Clothing Stores), 5691 (Men’s and Women’s Clothing Stores), 5942 (Amazon and Bookstores), 5814 (Fast Food) and 5812 (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.