3%, 2%, 1% Cash Back
Your MEA Visa Signature Credit Card gives you even more cash back on the things you buy the most. Plus, you get instant access to special experiences, and exclusive discounts.
- 3% cash back on groceries
- 2% cash back on gas, travel, and universities
- 1% cash back on all other purchases
$100 Welcome Offer
Earn $100 when you spend $5,000 on eligible purchases with the MEA Visa Signature Credit Card within the first three months of opening your account.
Free FICO Score®
To help you achieve your financial goals, you can now view your FICO® Score in ComputerLine and on the MSUFCU Mobile app. This FICO® Score is based on data from Experian on a quarterly basis and will not impact your credit score. We offer free access to your FICO® Score so you can stay on top of your credit and avoid any surprises.
Because FICO® Scores are based on the information in your credit reports, it is very important to make sure that the credit report information is accurate. You should review your credit report from each consumer reporting agency (CRA) at least once a year and before making any large purchases, such as a home or car.
You have the right to obtain one free credit report each year from each of the consumer reporting agencies through www.AnnualCreditReport.com. Please note that your free credit report will not include your FICO®Score.
What are FICO® Scores?
The credit scores most widely used in lending decisions are FICO® Scores, the credit scores created by Fair Isaac Corporation (FICO). Lenders can request FICO® Scores from all three major credit reporting agencies. Lenders use FICO® Scores to help them make billions of credit decisions every year. FICO develops FICO® Scores based solely on information in consumer credit files maintained at the credit reporting agencies. Understanding your FICO® Score can help you better understand your credit risk and allow you to effectively manage your financial health. A good FICO® Score means better financial options for you.
What is a good FICO® Score?
The score above which a lender would accept a new application for credit, but below which the credit application would be denied, is known as the “score cutoff.” Since the score cutoff varies by lender, it’s hard to say what a good FICO® Score is outside the context of a particular lending decision. For example, one auto lender may offer lower interest rates to people with FICO® Scores above, say, 680; another lender may use 720, and so on. Your lender may be able to give you guidance on their criteria for a given credit product.
What are Key Score Factors?
When a lender receives your FICO® Score, “key score factors” are also delivered, which are the top factors that affect the score. Addressing some or all of these key score factors can help you more responsibly manage your financial health over time. Having good FICO® Scores can put you in a better position to qualify for credit or better terms in the future.
Visit our FAQs for more information.
Additional Credit Resources:
Obtain one free credit report from each of the three major credit reporting agencies per year.
FICO® SCORE TERMS: Your FICO® Score and key factors are based on data from Experian and may be different from other credit scores. This information is intended for and only provided to members who have an active lending relationship with the Credit Union. Scores are provided within ComputerLine and the MSUFCU Mobile app with key factors for eligible individuals. You will see up to a year of scores starting when you start your lending relationship with us. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
MSUFCU and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. MSUFCU and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.
1 Information provided may not reflect the view of MSUFCU.
Luxury Hotel Collection
Enjoy special offers and upgrades at over 900 of the world’s most prestigious properties with the Visa Signature Luxury Hotel Collection.
Book your next trip through the Visa Signature Luxury Hotel Collection and enjoy:
• Best available rate guarantee
• Automatic room upgrade upon arrival, when available
• Complimentary in-room Wi-Fi, when available
• Complimentary continental breakfast daily
• $25 USD food or beverage credit
• VIP guest status
• 3:00 p.m. checkout upon request, when available
Visit Visa Signature Hotels to explore discounts from over 900 luxury hotels around the world.
Travel & Lifestyle Benefits
• Exclusive access to fine wine and food events. Visit visa.com/signaturefood for full details.
• Savings on premium ground transportation with Silvercar and GroundLink®
• Discounts at over 90 golf courses worldwide
• Access to the Visa Signature Luxury Hotel Collection
Exceptional Retail Benefits
The MEA Visa Signature Credit Card provides you with exceptional savings, discounts, and gift-with-purchase offers from a wide collection of premium online and in-store retailers.
Cardholder Protection Benefits
With your MEA Visa Signature Credit Card, you'll receive $1,000,000 Travel Accident Insurance, Auto Rental Collision Damage Waiver, and $0 fraud liability. Your Visa Signature card provides you with even more benefits — offering you greater protection and confidence when using your card:
• Roadside dispatch :reg;
• Extended warranty protection
• Travel and emergency assistance services
• Rideshare protection
• Emergency card and cash replacement
• Lost or stolen card reporting
• Fast and secure contactless technology