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MCU TRUE Rewards Cash Back VISA®
Earn Rewards Each Time You Spend.
Get up to 1.5% Cash Back* on eligible net purchases with no annual fee, easy redemption options, and no penalty rate pricing. To apply for your MCU TRUE Rewards Cash Back VISA®, just log into your NYMCU Digital Banking and select ‘Quick Apply.’
A Card Designed With Your Credit Needs In Mind. Up to 1.5% Cash Back* on Eligible Net Purchases.
The MCU TRUE Rewards Cash Back VISA® helps you reap the rewards of your financial journey, with low rates and up to 1.5% cash back on eligible purchases.
Rates As Low As 1.99% APR**
Enjoy a low introductory APR of 1.99% APR** for new cardholders over the first 12 months (based on creditworthiness) to help members like you meet your financial goals.
No Annual Fee
MCU prioritizes member success over profit, which is why we don’t charge annual fees. Instead, members can put that money towards their financial futures
Easy Redemption Options
Get that cash back in just a few clicks. MCU makes it easier than ever to reap the rewards and make each dollar go even further.
No Penalty Rate Pricing
Our credit cards are meant to catalyze your financial success, not penalize you. That’s why we don’t hit you with higher interest rates when life gets difficult.
What is EMV Chip Technology?
EMV (chip card) technology is the most recent advancement in a global effort to combat fraud and protect sensitive payment and cardholder data. This technology includes an embedded microprocessor chip to store and protect cardholder data with increased security technology to reduce card fraud.
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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.
All Your Banking, Accessible Anywhere
Manage your credit cards from anywhere and any device. The NYMCU online and mobile banking applications make it easy to manage all of your accounts—and with VISA® purchase alerts, you can get even more transparency into your daily transactions.
Download the Mobile Banking App
No Matter Where You Are in Life, We’re Right There with You
At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college to saving for retirement and everything in between.
That’s why we have specialized recommendations for products and services designed to help you meet your goals (both short-term and down the road), based on your changing needs and priorities.
Make the Most of Your MCU Membership.
Membership in our community is about more than just banking. As an MCU member, you can access valuable information and resources to help you plan and reach your financial goals.
Avoid Tax Scams
The Smart Borrower’s Guide
Personal Loans vs. Credit Cards
Join a Community That’s Here to Support Your Financial Goals.
No matter where you are in life or what goals you’re working toward, MCU is ready to assist you with educational resources, banking products, and reliable service designed to help you create an exceptional financial future.
