Members 1st FCU Platinum® Rewards
The Members 1st FCU Platinum® Rewards from Members 1st FCU earns up to 2% effective value on grocery in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 2%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Members 1st FCU Platinum Rewards earn in each category?
Grocery is the strongest category at 2% effective value (2% back). That grocery rate ranks higher than about 47% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Grocery is the strongest category at 2% effective value (2% back). That grocery rate ranks higher than about 47% of the 1,552 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 2% back | 2% Top category |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Members 1st FCU Platinum Rewards reward caps and conditions?
The Members 1st FCU Platinum Rewards has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 2% Cash Back on Gas
- 2% Cash Back on Groceries
Who should get the Members 1st FCU Platinum Rewards?
The Members 1st FCU Platinum Rewards fits spenders who put meaningful volume in grocery and can earn 2% back. Best for spenders who put meaningful volume in grocery and can earn 2% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Members 1st FCU Platinum Rewards fits spenders who put meaningful volume in grocery and can earn 2% back. Madeen ranks its grocery effective rate higher than about 47% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is grocery at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Members 1st FCU Platinum Rewards have an annual fee, and what's the welcome bonus?
The Members 1st FCU Platinum Rewards has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Members 1st FCU Platinum Rewards?
The Members 1st FCU Platinum Rewards includes Auto Rental Collision Damage Waiver Program, Booking.com, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Auto Rental Collision Damage Waiver Program
Auto Rental Collision Damage Waiver Program
- Booking.comIncluded with Visa Traditional
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Dovly Uplift™Included with Visa Traditional
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- OpenTableIncluded with Visa Traditional
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Roadside Dispatch®Included with Visa Traditional
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
- Sofar SoundsIncluded with Visa Traditional
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
- Travel & Emergency Services
Travel & Emergency Services
- Warranty Manager Services
Warranty Manager Services
Common questions about the Members 1st FCU Platinum Rewards
Does the Members 1st FCU Platinum Rewards have an annual fee?
The Members 1st FCU Platinum Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Members 1st FCU Platinum Rewards?
Grocery is the strongest Madeen category for the Members 1st FCU Platinum Rewards at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Members 1st FCU Platinum Rewards charge foreign transaction fees?
The Members 1st FCU Platinum Rewards does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Members 1st FCU Platinum Rewards?
Madeen's catalog lists a typical credit range of Good for the Members 1st FCU Platinum Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Members 1st FCU Platinum Rewards?
Rewards on the Members 1st FCU Platinum Rewards post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Members 1st FCU Platinum Rewards?
To maximize the Members 1st FCU Platinum Rewards, route grocery and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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