Consumer Credit Cards

 

Are you looking for a rewards card that earns automatic bonus points on every purchase, every month? Or maybe you prefer a card to pay down your balances on other credit cards faster or to save on interest. Whatever your needs, we have a credit card that’s right for you!

 

     

 

Visa® Bonus Rewards Card

 

• Get 25% more on all points earned every month, automatically¹
• No caps or limits on points earned
• $25 cash back with your first purchase

 

Visa Bonus Rewards PLUS Card

 

• Get 50% more on all points earned every month, automatically²
• No caps or limits on points earned
• $50 cash back with your first purchase

 

Visa Platinum Card

 

• Our best introductory APR offer
• Save on interest and pay down your other credit card balances faster
• Enjoy the everyday convenience of a non-rewards card

 

Visa College Rewards

 

• For college students
• Earn 1 reward point for every $1 in net purchases
• Receive 1,000 bonus rewards points with your first purchase
• Low rates and manageable credit lines

 

Visa Secured Card

 

• Improve your credit³
• Low annual fee
• Flexible credit lines based on a security deposit ranging from $300 to $5,000

 

Convenient Visa Credit Card Payment Options Available

 

Members with Visa credit cards issued through our partner, Elan Financial Services, have many convenient ways to make payments:

 

1. Pay online.

• You can pay online at www.myaccountaccess.com. This secure website will allow you to create your own unique ID and password to log in as well as view your account activity and rewards earned.
• If you are enrolled in MCCU’s Bill Payer service, you can pay your bill electronically from your MCCU checking account.

 

2. Make your payments automatically.

• If you are enrolled in MCCU’s Bill Payer service, you can pay your bill electronically from your MCCU checking account on a recurring schedule.
• You can set up an automatic monthly withdrawal for minimum payment due, new balance on your statement, or a fixed dollar amount from your checking or savings account at any financial institution to pay your bill. To sign up for automatic payment services available from Elan, call the number on the back of your card.

 

3. Pay your bill by phone.

• You can make your payment from any touch-tone phone when calling Elan at the phone number on the back of your card. Automated phone payments are free; however, Elan Cardmember Service-assisted payments are available for a small fee.

 

4. Mail your payment.

• Elan provides a return envelope in your statement that can be used when making your payments by mail. For faster payment posting, all mail payments should be forwarded directly to Elan instead of the credit union. The number of days for the payment to post to your credit card account may fluctuate depending upon the payment method you select.

 

¹ The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25 points)

 

² The 50% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.5 points)

 

³ Late payments and going over the credit limit may damage your credit history