A credit card for every wallet

Save BIG with MECU's Visa® Credit Card. Enjoy 1.99% intro APR* for 12 months with $0 balance transfer fee, no annual fee, and perks that only come with MECU Credit Union membership. Choose the card that works best for you.

Visa® Platinum Credit Card Visa® Platinum Rewards Credit Card Visa® Signature Cash Rewards Credit Card Visa® Platinum Secured Credit Card
APR* for purchases, cash advances, and balance transfers 14.00% up to 17.00% APR
Based on your creditworthiness when you open your account
15.00% up to 18.00% APR*
Based on your creditworthiness when you open your account
13.75% APR*
Based on your creditworthiness when you open your account
18.17% APR* 
Based on your creditworthiness when you open your account
Intro APR* and Period 1.99% APR* for 12 months 1.99% APR* for 12 months 1.99% APR* for 12 months 1.99% APR* for 12 months
Annual Fee $0 $0 $0 $0
Balance Transfer Fee $0 $0 $0 $0
Penalty Rate None None None None
Visa® Zero Liability
Grace Period on Purchases
Online Banking with Free eStatements
MECU Credit Card Control App
Visa® Real-Time Alerts
Travel and Emergency Assistance Services
CURewards Earn points on signature transactions - redeemable for merchandise, travel, and gift cards Earn points on signature transactions - redeemable for cash, merchandise, travel, and gift cards
Concierge Service
Roadside Dispatch
Price Protection
Return Protection

Minimize your risk of credit card fraud

Contact Visa and report your card stolen at 800-499-7728 or ext. 1595.
If you recognize an unauthorized transaction, contact MECU immediately. Please call 800-231-5262 or send a secure message through Online or Mobile Banking.
Attend a MECU Shred event and shred documents with personal identifying information. 
Review receipts, credit card and bank statements to be able to report any fraud right away.
Make sure you verify that a website is authentic before making a purchase. A secure URL should begin with “http” rather than “http.” The “s” in “http” stands for secure, which indicates that the site is using a Secure Sockets Layer (SSL) Certificate.

If you have a card with a magnetic strip, use a strong magnet to demagnetize the strip on the back of the card. Chips are a bit tougher to neutralize. You can cut chips with a pair of scissors, or even break them apart with a hammer.

Next, cut the card into at least three pieces. If you're having trouble cutting through the plastic, try bending it back and forth a few times to weaken it, then cut along the bend.

Destroying documents with your personal information reduces the likelihood of becoming an identity theft victim.
Scammers can claim to be from your card issuer or bank and ask for personal information. Do not provide credit card information to representatives who call you unexpectedly.

MECU will never contact you by phone, email or text message to ask for personal information. We will only ask you to provide this information to verify your identity when you call us directly.
As a rule of thumb, exercise awareness anytime you’re using a public pay station or when your card leaves your sight. Whenever possible, choose the pump closest to the building. They’re closest to employees and the least likely to have been tampered with. Avoid using a debit card, if possible. Should you be forced to use debit, run it as a credit card so you don’t have to enter your PIN.
Banking with MECU Credit Union in Maryland means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on credit cards and other personal lending products.

How Do I Start A MECU Credit Card Balance Transfer?

Existing MECU Visa Card Holder?

If you are an existing MECU cardholder, you can complete a balance transfer request by:
  • Logging into MECU Online Banking and selecting the Visa Credit Card link located in your loan accounts section, or
  • Call Cardholder Services: 866-820-3867
  • To report a lost or stolen card call: 866-820-1039

Not Yet A MECU Visa Card Holder?

If you are not currently a MECU cardholder, you can start the balance transfer process by applying for a new MECU Visa Credit Card.

It feels good to be out of the big banks and be with a local credit union.

Susan S.
*APR: Annual Percentage Rate. Introductory APR for the first 12 statement closing dates following the opening of your account. After that, your rate will convert to your standard rate as provided with your new account. Credit limits are based on creditworthiness and ability to repay. Rates are variable, tied to the Wall Street Journal Prime Rate. For additional information, please see our disclosure.