Whether you want a card that earns points for spending, or one that can help repair your credit, Michigan First offers cards for any wallet.

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Experience Michigan First Rewards® Visa®

  • Earn 1.5 reward points per dollar on purchases made in Michigan and one point per dollar on other purchases.
  • No annual fee, no balance transfer fee, and low interest rates.
  • Redeem reward points for gift cards, Michigan travel and experiences, and more.

Visa® provides additional benefits, such as:


Members can now apply for loans by logging into online banking or our mobile app for a more customized experience that populates the information you already have on file with us.

See the current credit card promotion here.

Secured Visa®

  • A great tool to help establish or rebuild credit, this 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®.

Your Secured credit card also provides Auto Rental Collision/Damage Coverage through Visa®. Learn more here.


Click here to learn how Visa® protects your card.

View Experience Rewards Visa disclosures and fees

View Secured Visa disclosures and fees