Members First Low Rate Card Review 2025 | Worth It or Leave It?

Save money on interest while still earning rewards with the Members First Visa Platinum Low Rate card, designed for anyone who wants to keep borrowing costs down without sacrificing everyday perks. Starting with an introductory APR of just 1.99% for the first six months and then moving to a competitive variable rate beginning at 8%, it offers one of the lowest ongoing rates available. With no annual fee, flexible credit limits from $500 to $50,000, and rewards of 2% cash back on gas and groceries plus 1% on other purchases, it balances savings and earning potential. The addition of flexible payment options provides breathing room for tight budgets, and no foreign transaction fees make it travel-friendly. Potential downsides include the variable APR that can rise over time, modest rewards compared to top-tier cards, and fees for late payments or card replacement. The real question: does this low-rate powerhouse hide the perfect balance of savings and rewards—or is there a hidden trade-off waiting to be uncovered?

Pros:
- Introductory APR of 1.99% for 6 months
- Competitive variable APR starting at 8%
- No annual fee
- 2% cash back on gas and groceries
- 1% cash back on all other purchases
- Flexible credit limits from $500 to $50,000
- No foreign transaction fees
- Flexible payment options

Cons:
- Variable APR may increase over time
- Late payment fees up to $27
- $10 fee for lost card replacement
- Rewards program less generous than premium cards

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