Credit Card Promotion

Experience banking undefined

2X Rewards on Summer Fun

with the Experience Michigan First Rewards® Visa®

Low introductory rate
Choice of Visa® card design
Earn rewards for your spending

New and Current Experience Michigan First Rewards® Visa® cardholders

  • Enjoy 2X Rewards on Summer Fun! Earn 2x rewards points on travel, recreation and restaurant merchant transactions that post between July 1 and September 30, 2022*
  • 4.99% APR on balance transfers that post between July 1 and September 30, 2022 for seven statement cycles from the date the first qualifying balance transfer posts**

New Experience Michigan First Rewards® Visa® cardholders

  • 3.99% APR all merchant transactions for 7 statement cycles from the date the card is opened.***

At the conclusion of the promotional period, rates begin at 8.24%.

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 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.

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 800.664.3828.

*Qualifying transactions, earning 2X rewards for this offer must post to your account between July 1 and September 30, 2022, and must have the required merchant code signifying the transaction as a travel/recreation or restaurant purchase. 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 business days after the previous months’ purchase activity. All purchases are subject to credit approval.  Terms and conditions subject to change.  Some restrictions may apply.

Qualifying merchants for Travel/Recreation include Recreation Vehicles; Amusement Facilities; Camping Facilities; Land, Water, and Air Transportation; Travel Services; and Hotels/Motels/Resorts. Qualifying merchant codes include: 4112 (Passenger Railways), 4131 (Bus Lines/Charter/Tour), 4411 (Cruise Lines), 3000 – 3300 and 4511 (Airlines), 4722 (Travel Agencies), 3501 – 3838 and 7011 (Hotels, Motels, and Resorts), 7519 (Motor Home/RV Rentals), 7032 (Sporting/Recreational Camps), 7033 (Trailer Parks/Campgrounds), 7991 Tourist Attractions and Exhibits), 7992 Golf (excluding private clubs), 7996 (Amusement Parks/Circus), 7998 (Aquariums/Seaquariums), and 7999 (Recreation Services).

Qualifying restaurant transactions include merchant codes of 5812 (Eating Places and Restaurants) and 5814 (Fast Food Restaurants).

** Qualifying balance transfers must post to your account between April 1, 2022 and June 30, 2022. This offer is valid for seven statement cycles from the first qualifying balance transfer. I.e.: first qualifying balance transfer processed on July 2nd, 4.99% rate is applied through the January 2023 statement; first qualifying balance transfer processed on July 23rd, 4.99% rate is applied through the February 2023 statement. 4.99% rate applies to balances from a non-Michigan First Credit Union credit card. All balance transfers are subject to credit approval. Account must be in good standing. Terms and conditions subject to change. Some restrictions may apply. Merchandise transactions and cash advances are excluded. Limited time offer