Credit Card

MC Federal Visa® Credit Card

All of our members are different, so we offer a variety of credit cards to meet their needs. For those just starting out or the experienced credit connoisseurs, for those with a perfect score or a blemish or two, we have a card to meet your needs.

A MC Federal Visa Credit card is right on the money when it comes to helping you save. As a MC Federal credit card holder, you can easily consolidate high interest credit card debt to your low interest rate MC Federal credit card. Don’t be fooled by temporary low rates that go sky high in the not so distant future. Put high rates and expensive fees in your past and discover the true benefit of a credit card with a consistently low-rate and no hidden fees or service charges.

Access Point

Account management, rewards, and online payments are available 24/7 by clicking the button below.

Premium Rewards

Click the logo below to visit our rewards site to review rewards options, points balances, and redeem rewards.

Now, you can Pay With Points using your Premium Rewards card!
Now that you’ve earned your points, use them at the time of purchase! MC Federal Credit Union presents Pay With Points, a real-time redemption program, where you can pay with the points you’ve already earned! Purchase, get notified and redeem through a 1-click redemption. Then a statement credit will be applied back to your card. Learn more by clicking the Premium rewards logo!

Card Options

Card Features & Benefits

Enjoy all the benefits and privileges of your Visa Credit Card with no annual fee. There is no need to pay extra for the convenience of using credit. Plus, save money by transferring your higher rate balance to your MC Federal Visa Credit Card with no balance transfer fee.

Your MC Federal Visa Credit Card is accepted at millions of places. Why carry cash and checks when all you need is your card?

• Convenient – Accepted worldwide and on your block

• Secure – Count on Visa’s Zero Liability Policy*

For all your purchases big and small, choose your MC Federal Visa Credit Card.

* Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

Introducing Premium Rewards! Your everyday purchases have never been more rewarding! Premium Rewards is a simple, easy to use program that rewards you with points each time you use your Premium Rewards enabled credit card*! For rewards information visit: https://dreampoints.com/MembersChoiceFCU/

*Cards eligible for premium rewards are: Premium Rewards Visa Credit Card, Visa Platinum Business Credit Card, and Visa Signature® Credit Card.

When you pay your monthly wireless bill with your covered MC Federal Visa Credit Card, your cell phone is protected for the next calendar month. So, you can get reimbursed if your cell phone is stolen or damaged ($50 deductible).

To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call 1-866-894-8569. If you are outside the U.S., you can call collect: 1-303-967-1096.

Certain terms, conditions and exclusions apply. In order for coverage to apply, you must charge your eligible cellular wireless bill to your covered MC Federal Credit Card. Please refer to your Guide to Benefits for further details.

Your MC Federal Visa credit card is accepted at millions of locations worldwide and gives you access to cash at ATMs displaying the Visa®/PLUS® symbol. In addition you can request a cash advance in your local MC Federal Branch. The best part is there is no hidden fee or higher interest rate for completing a cash advance.

Load your MC Federal Visa Credit card into your smart device to always have your card with you. Our Visa credit cards are compatible with the following mobile wallets, choose your provider below for instructions:

Tap to pay with your MC Federal Visa contactless card for a fast, easy and secure way to checkout. Just look for the Contactless Symbol at checkout, tap your card on the contactless-enabled terminal, and be on your way.

    • It’s fast – Your payment is processed in seconds so you can be on your way.
    • It’s easy – Simply tap your Visa contactless card on the contactless-enabled terminal.
    • It’s secure – When you tap to pay, you use the same trusted security as chip cards. Each transaction is protected by a dynamic encryption that protects your card information. 

Benefits vary by card type. Refer to Your Guide to Benefits for more details about all the benefits of Your MC Federal Visa Credit card.

Platinum, Premium, Architect, & Cache Guide to Benefits

Signature Guide to Benefits

Platinum Business Guide to Benefits

Woman talking on phone holding credit card

Questions about your MC Federal Visa Credit Card? Contact Us

APR = Annual Percentage Rate. Current rates range from 7.99% APR to 18.00% APR. Rates are subject to change without notice. The Annual Percentage Rate can vary based on creditworthiness. Qualified credit limit will be determined by certain underwriting criteria. For current rates, fees and other cost information, please contact MC Federal Credit Union at 800-834-0082. Cardholder benefits are subject to change without notice. Certain terms, conditions, limitations, and exclusions apply. Please see your Guide to Benefits for complete program details.
The Contactless Indicator Mark and the Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.
VISA is a registered trademark of Visa International Service Association and used under license.