Qualifying Home Improvement and Travel Purchases Receive Double Rewards*

Spring is the perfect time for home improvement projects and vacations!

When you shop for materials with your Experience Michigan First Rewards® VISA® you’ll earn double rewards points on qualifying home improvement purchases that post to your account between April 1, 2019, and June 30, 2019. Once your projects are done, pack your bags for vacation. Qualifying travel purchases made with your card receive double points too.*

These great rewards are only one reason to open a credit card, but there are many benefits to having our card in your wallet:

  • No annual fee or balance transfer fee.
  • An attractive annual percentage rate (APR).
  • Earn reward 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 April 1 and June 30, 2019 and must have the required merchant code signifying the transaction as a travel and/or home improvement purchase. Qualifying merchants for Home Improvement include, but are not limited to, Lumber and Building Supplies, Hardware/Paint/Glass, Nursery/Lawn/Garden, Home Furnishings, and Maintenance/Cleaning.  Qualifying merchant codes include: 5200 (Home Supply Warehouse Stores – i.e. Home Depot and Lowes), 5231 (Glass, Paint, Wallpaper Stores), 5251 (Hardware Stores), 0780 (Landscape/Horticultural Service), 5261 (Nurseries and Lawn/Garden Supply), 5713 (Floor Covering Stores), 5714 (Drapery & Upholstery Stores), 5718 (Fireplaces & Accessories), 5719 (Miscellaneous Home Furnishing Specialties), 5722 (Household Appliances), 7217 (Carpet & Upholstery Cleaning), and 7641 (Furniture Reupholstery/Repair). Qualifying merchants for Vacation/Travel include, but are not limited to, Ground Transportation, Airline/Cruise/Travel Services, Hotels/Motels/Resorts, Recreation Vehicles, and Recreation/Amusement Facilities. Qualifying merchant codes include: 4112 (Passenger Railways), 4131 (Bus Lines/Charter/Tour), 4411 (Cruise Lines), 3000 – 3300 and 4511 (Airlines), 4722 (Travel Agencies), 3501 – 3835, and 7011 (Hotels, Motels, and Resorts), 7519 (Motor Home/RV Rentals), 7032 (Sporting/Recreational Camps), 7033 (Trailer Parks/Campgrounds), 7991 Tourist Attractions and Exhibits), 7996 Amusement Parks/Circus), and 7998 (Aquariums/Seaquariums). Transactions made at non-qualifying 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.  Rental car and taxi service transactions are excluded from this promotion. 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.