MSUFCU Visa Signature
The MSUFCU Visa Signature from MSU Federal Credit Union earns up to 3% effective value on grocery in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: $100 Welcome Offer. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 3%
- Annual fee
- $99
Madeen may earn compensation from some apply links. Affiliate disclosure
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 MSUFCU Visa Signature earn in each category?
Grocery is the strongest category at 3% effective value (3% back). That grocery rate ranks higher than about 95% 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 3% effective value (3% back). That grocery rate ranks higher than about 95% 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 | 3% back | 3% 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 MSUFCU Visa Signature reward caps and conditions?
The MSUFCU Visa Signature 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% on gas
- 3% on groceries
Who should get the MSUFCU Visa Signature?
The MSUFCU Visa Signature fits spenders who put meaningful volume in grocery and can earn 3% back. Best for spenders who put meaningful volume in grocery and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
MSUFCU Visa Signature fits spenders who put meaningful volume in grocery and can earn 3% back. Madeen ranks its grocery effective rate higher than about 95% 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 3% back. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when the $99 fee fits your usage; 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 3% effective (3% back).
- That grocery rate ranks higher than about 95% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
Does the MSUFCU Visa Signature have an annual fee, and what's the welcome bonus?
The MSUFCU Visa Signature has an annual fee of $99 and a foreign transaction fee of None. New applicants may see: $100 Welcome Offer. Confirm current issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $99
- Foreign transaction fee
- None
- Signup bonus
- $100 Welcome Offer First-year annual fee waived.
What benefits come with the MSUFCU Visa Signature?
The MSUFCU Visa Signature includes Auto Rental Collision Damage Waiver, 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
No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents do happen, and vehicles do get stolen. No matter what happens to Your rental car, You can be covered with Auto Rental Collision Damage Waiver.
- Booking.comIncluded with Visa Signature®
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 Signature®
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.
- Extended Warranty Protection
Extended Warranty Protection provides You with valuable features that help You manage, use and extend the warranties for eligible items purchased on Your covered Account and/or rewards program associated with Your covered Account. Services include Warranty Registration and Extended Protection.
- Global Entry Statement CreditIncluded with Visa Signature®
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
- Golf Discounts
Discounts at over 90 golf courses worldwide.
- ID Navigator Powered by NortonLifeLock
Identity theft continues to evolve and so do NortonLifeLock solutions. No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind.
Common questions about the MSUFCU Visa Signature
Does the MSUFCU Visa Signature have an annual fee?
The MSUFCU Visa Signature carries an annual fee of $99 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 MSUFCU Visa Signature?
Grocery is the strongest Madeen category for the MSUFCU Visa Signature at about 3% 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 MSUFCU Visa Signature charge foreign transaction fees?
The MSUFCU Visa Signature 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 is the MSUFCU Visa Signature welcome bonus?
The MSUFCU Visa Signature welcome offer in our snapshot: $100 Welcome Offer. Minimum spend, eligibility, and offer windows are set by the issuer and can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the MSUFCU Visa Signature annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in grocery and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. 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 MSUFCU Visa Signature?
Madeen's catalog lists a typical credit range of Good to Excellent for the MSUFCU Visa Signature. 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.
Related Madeen guides
Issuer links
Madeen may earn compensation from some apply links. Compensation may affect which offers are available, but it does not control recommendations for cards you have already added to your wallet. Affiliate disclosure
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.