Members First Signature Rewards Card Review 2025 | Worth It or Leave It?

Earn consistent rewards, travel with confidence, and avoid unnecessary fees with the Members First Visa Signature Rewards card—a no annual fee credit card offering a flat 1.5% cash back or 1.5 points on every purchase. New cardholders can start strong with a $100 bonus after spending just $500 in the first 90 days, while the absence of foreign transaction fees makes it a smart choice for international travelers. As a Visa Signature product, it comes with premium perks including concierge service, trip insurance, emergency medical coverage, and rental car protection. With generous credit limits from $5,000 to $75,000, it’s built for high spenders seeking simplicity and value without complex reward categories. However, the relatively high APR of 16.25%–18%, the $25 minimum redemption for cash back, and membership requirements mean it’s best suited for those who spend strategically and pay in full each month. The ultimate question remains—does its straightforward power hide a deeper advantage you won’t see until the very end?

Pros:
- No annual fee
- Flat 1.5% cash back or 1.5 points on all purchases
- $100 bonus after $500 spend in first 90 days
- No foreign transaction fees
- Visa Signature perks including concierge services, trip insurance, emergency medical coverage, and rental car protection
- Credit limits from $5,000 to $75,000

Cons:
- Variable APR between 16.25% and 18%
- $25 minimum redemption for cash back
- Membership in Members First Credit Union required
- Flat rewards rate may be less competitive for certain categories

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