Choice Rate Visa Credit Card

Choice Rate Visa

Get the Card that Gets What You Need, with Low Rates and $0 Annual Fees


Just for being a member at Members Choice, you could be eligible for the Choice Rate Visa credit card with a 0% introductory rate on all balance transfers in the first year.

0% Intro APR

Get 0% intro APR

Enjoy 0% introductory APR on purchases within first 6 months and balance transfers within the first year

Low Rates

Rate that starts at zero and stays low

APR as low as 8.25% on purchases after the introductory APR

No Annual Fees

Help without any extra fees

Whether you need help building your credit, keeping an emergency fund, or need cash in a hurry, we’ve got you covered with no annual fee

Explore Choice Rate Visa

  • Low variable rate options to help you build or rebuild your credit
  • Shop with confidence with embedded EMV chip technology
  • Online card management and fraud alerts
  • Easy automated payment option in Online Banking

Ready to get low rates with no annual fees?


Get your card with one of these easy options

Apply Online

Apply online now to receive your card by mail

Visit Nearest Branch

Visit your nearest branch and get your card in as little as 24 hours

Or call 281.398.9900 to start your application by phone

Get information and top tips about successful credit card ownership

Get the eBook

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APR = Annual Percentage Rate


*Introductory rate of 0% for 6 months on purchases and an introductory rate of 0% for 12 months on balance transfers from the date of account opening. After introductory period ends, the APR will be 8.25% up to 18.00% based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate.


A balance transfer could take up to six weeks to appear on your new card, depending on your previous card issuer. Check your accounts to track progress, and make sure you continue to make at least the minimum payment on the card you transferred the balance from on time to avoid late fees.


About Members Choice Credit Union

At Members Choice, we strive to exceed your expectations. We believe in people-helping-people by providing sound financial solutions and resources, as well as sharing our passion for supporting the community. As a full-service financial institution and SBA-preferred lender based in Houston, Texas, we have proudly served the West Houston, Katy and Cy-Fair areas for over 78 years.


All memberships and credit products are subject to approval including credit approval.


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