Earn 3x Rewards

Earn 3x Rewards

Qualifying Summer Fun and Back to School Purchases Receive Triple Rewards*

When you shop with your Experience Michigan First Rewards VISA® you’ll earn triple rewards points on qualifying summer fun purchases that post to your account between July 1, 2018, and September 30, 2018. Once summer starts to come to a close, your qualifying back to school supplies earn you triple points too.*

Earn 3x Rewards on things like:

  • Gas (for those summer road trips.)
  • Retail items at participating stores (clothing, school supplies, toiletries, dorm essentials & more.)
  • Moving truck rentals (if you’re moving your family to a new home or a college student to school.)*

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 3X rewards for this offer, must post to your account between July 1 and September 30, 2018 and must have the required merchant code signifying the transaction as a retail, gasoline, or moving truck/trailer purchase.

Qualifying retail merchant codes include: 5192 and 5942 (Book Stores, Periodicals, and Newspapers); 5943 (Office/School Supply Stores such as Office Max/Depot); 5719 (Miscellaneous Home Furnishings such as Bed Bath & Beyond); 5200 (Home Supply Warehouse Stores such as Home Depot and Lowe’s); 5300 (Wholesale Clubs such as Sam’s Club and Costco); 5310 (Discount Stores such as Target and Walmart); 5311 (Department Stores such as JC Penney and Kohl’s); 5411 (Grocery Stores); 5611, 5651, and 5691 (Family Clothing Stores such as TJ Maxx, Marshalls, Old Navy, Tommy Hilfiger, American Eagle, and North Face); 5732 (Electronic Stores such as Best Buy); and 5912 (Drug Stores and Pharmacies such as CVS, Rite Aid, and Walgreens).

Qualifying gasoline/fuel station merchant codes include 5541 (Pay Inside) and 5542 (Pay at the Pump). Qualifying moving merchant codes include 7513 (Truck and Utility Trailer Rentals such as U-Haul and Penske).

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 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.