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CREDIT CARDS
Rates as low as 3.99% APR*
Spend smarter, build credit, and meet your goals.
MCU Has a Card for Every Credit Need.
MCU is dedicated to helping its members by offering a wide array of credit card products to help them spend smarter, build credit, and meet their goals.
*APR=Annual Percentage Rate.
MCU Platinum Visa®: The APR will be 14.15% to 21.15%, depending on your creditworthiness at account opening. The APR may vary.
MCU True Rewards Visa®: 3.99% Introductory APR for new cardholders on purchases and balance transfers for the first 12 months based on your creditworthiness. After that, the APR will be, depending on your creditworthiness at account opening, 16.24% to 23.24%. The APR may vary.
For more details, see our Rates page.
View the MCU True Rewards Visa Cardholder Agreement and Related Disclosures for more information.
View the MCU Visa Platinum Cardholder Agreement and Related Disclosures for more information.
Enjoy More Peace of Mind with VISA® Purchase Alerts.
Get a free text or email whenever you pay with your VISA® card. This can help you immediately identify potentially fraudulent activity. You choose the terms and frequency.
- Features & Benefits
- How To Enable Alerts
- This is an additional service offered to MCU members by VISA® Purchase Alerts.
- VISA® Purchase Alerts are free. However, some cell phone carriers may charge a fee to send or receive a text message. Message and data rates may apply. Please check your mobile plan or contact your mobile carrier for further information.
- Get a text or email whenever you pay† with your VISA® card. This can help you immediately identify potentially fraudulent activity.
- Choose the notification triggers that match your needs. You’ll get real time† text or email alerts based on your selected criteria.
- Check your card eligibility.
- Create an account to register your mobile device and email. You will need to create a new, unique Username and Password for this service. This will create a new account with VISA® Purchase Alerts. OR, you can sign up for VISA® Purchase Alerts using NYMCU Digital Banking.
- Choose the notification triggers that match your needs, such as transactions exceeding a set amount.
- If you experience problems creating a new account, contact VISA® Purchase Alerts Customer Service at VisaPurchaseAlertsHelp@visa.com.
†View the VISA® Purchase Alerts FAQ for more information.

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