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MMFCU Visa Cards

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VISA Card Options
some with low Introductory Rate* 1

No matter what type of shopper you are, Mid Minnesota has a VISA card option to fit your life-style and spending needs. MMFCU VISA cards offer a six month introductory rate of 1.99% APR* on our Visa Signature Rewards, Platinum Rewards and Classic Credit Cards! Mid Minnesota's Credit Cards provide local servicing, low rates, flexible terms, and 24-hour account access.  Click to see comparison of our cards side by side for your individual credit card needs. 

*Business cards excluded. 1. Intro rate ends after first six billing cycles; APR ranges from 8.99%-18% based on your credit history and card type. Maximum APR=18%


Visa Signature Rewards Credit Card

MMFCU Visa Signature Rewards Card

Experience the most out of life with your Mid Minnesota's Visa Signature Rewards Credit Card! Your Signature Rewards card gives you instant access to dozens of everyday perks, once-in-a-lifetime experience, fine wine and food events, and complimentary 24-hours concierge service. You will enjoy a prestigious rewards card with no annual fee!

To reach VISA Concierge call (800) 953-7392, or outside US at (630) 350-4551 for assistance.

Go to the VISA Signature website for additional VISA Signature Benefits.



Get 10,000 Bonus Points when you spend $1,000 with in the first 90 days of opening your new card.

Earn CU Rewards points:

  • 3 Points per dollar purchased at gas stations
  • 2 Points per dollar purchased at grocery stores
  • 1 Point per dollar purchased for all other types of purchases
Start earning valuable rewards for every signature purchase transaction when you use your Signature Rewards Credit Card. Rewards information can be found at www.curewards.com


Apply now!


Visa Platinum Rewards Credit Card

MMFCU Platinum Reward Visa

Imagine getting rewarded just for shopping! Mid Minnesota Platinum Rewards Card offers points on all your credit card purchases! Points are earned for every dollar you spend and can be redeemable for cash, valuable travel, merchandise awards, and more3.

You can earn double reward points if you shop local in Mid Minnesota's field of membership. Learn more on how to support our commmunities and earn double points can be found HERE.

Not only do you earn rewards with no annual fee credit card, you also can enjoy rates as low as 9.99%APR 1 !

For more information and/or redeem your reward points visit www.curewards.com or call 1-888-634-6318.



Visa Classic Credit Card

MMFCU Classic Credit Card

Mid Minnesota's Visa Classic Credit Card is a secure and reliable way to pay for virtually everything you need! Enjoy a great low rate and no annual fee. Apply now.

Mid Minnesota offers an introductory rate of 1.99%APR 1 on our VISA Classic Credit Card for the first six months, then rate changes to a variable APR between 8.99% - 18.00%APR based on credit score.



 VISA information:

1 APR= Annual percentage rate. Maximum APR=18%apr. Loans subject to credit approval. Intro rate ends after first six billing cycles; post-promotional APR is variable and ranges from 8.99%-18% based on your creditworthiness. 1.99% intro rate applies to balance transfers and new purchases made six months from approval. Certain restrictions apply.


Visa Business Classic

MMFCU Business Classic Visa

You can separate your business expenses from your personal expenses with the Mid Minnesota VISA Business Classic card. With convenient purchases, cost savings, detailed reporting and additional benefits5, you have what you need to help your business thrive. For added control of your business expenses, get cards for your employees and set limits.

5 Business Card Benefits include: Auto rental collision damage waiver, purchase security & extended protection, travel & emergency assistance services and more.



Visa Business Platinum Rewards

MMFCU Business Visa Platinum Rewards

Earn rewards for travel or merchandise or even cash back for your all your business purchases. Ease and convenience for you to track purchases making cash flow management easier, with the added benefit of earning rewards5 !



Purchase $1,000 in the first 90 days of opening your Visa Business Platinum Rewards card, and earn 10,000 bonus points!

 Earn CU Rewards points:

  • 3 Points per dollar purchased at gas stations and office supply stores
  • 2 Points per dollar purchased at restaurants
  • 1 Point per dollar purchased for all other types of purchases

Start earning spectacular rewards every time you use your Business Platinum Rewards card with signature purchase transactions.




Mid Minnesota Credit Card Features

  • No Annual Fee. That saves you hundreds of dollars over the years when you are a Mid Minnesota card holder. 
  • Local Servicing. That means when you have questions or need help, you can call on the friendly staff at your local office to help. They know you and appreciate your membership.
  • Variable Annual Percentage Rate (APR). MMFCU VISA offers an APR based on your individual credit history, rewarding members for good behavior! Receive the same great rate for purchases and cash advances with no hidden fees. 
  • 25-Day Grace Period. Pay your card balance in full each month, and you’ll never pay interest on your credit union VISA (cash advances excluded). 
  • 24-Hour Free Account Information. You’re always in touch with your credit union VISA, by phone or on the web. Gather account balances, payment information and more, any time of the day or night. 
  • VISA Flexline. 1-866-820-3862 HERE! Or, visit 'My VISA Statement' through Online Banking!



VISA Mobile App for Managing your credit card

MMFCU Cards mobile application icon  Getting Started- 1-2-3!

  1. Download the MMFCU Cards app from iTunes or Google Play.
  2. Grab your credit card.
  3. Register on your phone!

Safety! You're protected by 128-bit encryption through your mobile device. No personal information is stored on your mobile device.


Click for Mobile App Frequently Asked Questions



  1. APR= Annual percentage rate. Maximum APR=18% APR. Loans subject to credit approval. Intro rate  ends after first six billing cycles; post-promotional APR is variable and ranges from 8.99%-18% based on your creditworthiness. 1.99% intro rate applies to balance transfers and new purchases made six months from approval. Certain restrictions apply.
  2. For Variable Rate accounts, the interest rate is subject to change on the statement cycle date to reflect any change in the index and will be determined by the Prime Rate on the first day of each calendar month of each year as published in The Wall Street Journal “ Money Rates” table to which we add a margin. The Interest Rate will never be greater than 18%. Any increase in the Interest Rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new Index which is based upon comparable information.
  3. Ask a credit union representative for complete CU Rewards and CU Select (Signature Rewards) Program Rules & Conditions.
  4. Transactions must be posted to account with in the first 90 days of account opening.
  5. See card terms and conditions for specifics.
  6. Cardholders only receive double points for transactions that process in a MMFCU field of membership ZIP code. For example, if a local retail store does not process the transaction through a local ZIP code and processes it in another state, the purchase does not qualify. Eligible MMFCU ZIP codes.
  7. New Mid Minnesota credit card holders only.
    8. Rates shown as of 4/1/2020.







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