Visa Credit Cards

When you transfer an existing balance to our credit union credit card between February 15, 2024 and May 15, 2024:

  • 3.99% APR* for 9 months

Balance transfers completed 2/15/2024 through 5/15/2024 will receive 3.99% APR for 9 months from date of transfer. After the promotion time frame expires, remaining balances will migrate to the stand APR applicable on your account. Contact the credit union for complete details. * APR= Annual Percentage Rate

VISA® Platinum & Secured Credit Cards

The perfect solution for shopping, bargain opportunities, emergencies, and tracking your travel expenses. You’ll save money with a lower rate and enjoy the convenience wherever you go. Secured credit cards are also available.

  • No Annual Fee
  • 25-day Interest-Free Grace Period On Purchases
  • Accepted Everywhere
  • Worldwide Cash Advance Option
  • No Balance Transfer Fee
  • ScoreCard Rewards
  • ScoreMore
  • Pay your credit card bill online here!

Earn Rewards

Members 1st of NJ FCU now offers ScoreCard Rewards, a rewards program that offers points for qualifying purchases. You can redeem these points 24/7 for top brand name merchandise, electronics, bicycles, golf balls, wine glasses, air hockey tables, grills, airfare, hotel stays, rental cars, vacation packages, tools, jewelry, and more. For every qualifying purchase, you make using your ScoreCard Rewards Card, you earn valuable bonus points.

ScoreCard with a father giving a piggyback ride to his daughterScoreMore

Earn 2X, 3X, 4X & more bonus points even faster with ScoreMore. Just shop online or in-store at participating retailers. New retailers are constantly being added to your favorite stores already included. Check out all of the participating retailers in the online mail and ScoreMore!

Log in at to access the catalog and sign up.

Help Preserve Your Standard of Living with Member’s ChoiceTM Borrower Security

Member’s Choice™ Borrower Security is a voluntary loan-payment protection product that helps preserve your family’s standard of living if a protected life event unexpectedly happens to you.

Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Protect Online Purchases With Verified By VISA

When making online purchases, you can get added protection with Verified by VISA. After you enter your payment information online, participating merchants will require you to enter your Verified by VISA password. You create your password when you register. Your password is an extra security step to safeguard your account and purchases. Learn more about the Verified by VISA program here.

Manage your VISA Account Online

You can access your Members 1st credit card statements and pay your bill online. It’s an easy and convenient way to manage your account.

To report your Visa Credit card lost or stolen after hours, call 1-800-322-8472.

Applying is Fast & Easy!

It makes dollars and sense to carry a Members 1st VISA. Complete an application at the credit union or online and start saving today.

Apply Online