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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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Visa Signature
Everyday Spending Pays
Our most rewarding credit card offers no annual fee, competitive rates, a host of perks and benefits, and cash back rewards.
Apply Online 
At A Glance
Rewards Are Waiting
MIDFLORIDA's Visa Signature offers plenty of extras just for using your card, including cash back on everyday spending. It's the perfect card for making the most out of every purchase.
Instant-Issue Cards
Need a card now? Walk into any branch to apply and walk out with a new card today.
Mobile Wallet
Add your card to your favorite digital wallet and enjoy quick, secure payments from your phone.
features & Benefits
Helpful Account Options
Explore the features that make our credit cards a smart choice for managing your finances with confidence.
Special Offer
1.5% Cash Back Rewards
Earn 1.5% cash back on everyday purchases with our Visa Signature card.1 You have the flexibility to redeem your cash back at any time as either a deposit into your MIDFLORIDA account or as a statement credit.
personalized support
Expert Guidance Every Step of the Way
Our experienced team takes the time to thoroughly assess your needs, ensuring you receive a loan solution perfectly tailored to you with support from beginning to end. Call (863) 284-5626 or toll free (855) 560-5626.
Mobile App
Manage Your Money Easily
With mobile and online services, it's like having a MIDFLORIDA branch with you 24/7.
exclusive benefits
Visa Signature Extras
In addition to Travel Concierge, Visa Signature cardholders also have access to the following:
Trip Cancellation and Interruption Protection
When unforeseen circumstances happen and disrupt your travel plans, insurance benefits may be available to help.2
Learn More
Price Protection
Price Protection helps you save money on many products when you purchase them entirely with
your eligible Visa card.2
Learn More
your eligible Visa card.2
Cell Phone Protection
An enrolled Visa cardholder receives reimbursement for damage to or theft of an eligible cell phone.2
Learn More
Warranty Manager
Receive assistance with managing, using and extending warranties of eligible items purchased with your Visa Signature card.2
Learn More
Calculator
Estimate Potential Savings
We may be able to save you money when you transfer high-interest credit card balances you have elsewhere to your MIDFLORIDA credit card.
Other Products & Services
Explore More Banking Options
We offer a range of valuable products and services designed to meet all your financial needs.
Visa Signature FAQs
We use a method called "average daily balance (including new purchases)."
An Introductory Rate will be cancelled, and the Penalty APR disclosed above will apply if you become 60 days or more past due.
We use the highest Prime Rate listed in The Wall Street Journal on the last business day of each month.
If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance APR of 18.00% depending on your credit rating and other factors. This APR will vary with the market based on the Prime Rate. In addition, a $10.00 fee will also be added and will accrue interest at the same rates.
To request a copy of your current credit card disclosure, which may be different than the disclosure on new accounts listed above, please contact the MIDFLORIDA Help Desk at (863) 688-3733 or toll free at (866) 913-3733 and allow 10 days for delivery.
To report a lost or stolen credit card, please call (866) 820-3935, available 24 hours a day, 7 days a week.
Visa Signature cash back rewards may be redeemed at any time through Free Online Banking or our mobile app. You may redeem all or a portion of your rewards earned to date or you may let them accumulate. Redeem your rewards as a deposit into your MIDFLORIDA savings or checking account or as a statement credit.
Paying off credit card debt is not an easy undertaking. Use our Credit Card Payoff Calculator to see how long it will take to say goodbye to this debt.
The Visa Account Updater service will automatically update old card numbers with merchants who keep your card on file, so payments can process without interruption or action from you.
You may opt out of the Visa Account Updater service to keep your card from automatically updating.
How it works
Terms of Service
Rates, costs, and fees for our Visa Signature Card.
| Annual Percentage Rate (APR) |
18.00% |
APR for Cash Advances |
18.00% |
Penalty APR and |
None |
| Paying Interest | Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. |
Minimum Interest Charge |
None |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore. |
| Fees to Open or Maintain Your Account |
None |
TRANSACTION and PENALTY FEES |
|
| Balance Transfer | $20.00 or 2% of the amount of each transfer, whichever is greater. |
| Cash Advance Fee | $20.00 or 2% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction | 1% of each transaction in U.S. dollars if the transaction involves a currency conversion; 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion. |
| Late Payment | Up to $25.00 if your payment is late. |
| Over-The-Credit Limit | None |
Returned Payment |
Up to $25 if your payment is returned for any reason. |
ADDITIONAL INFORMATION |
Visa Signature Terms and Conditions PDF |
1. Cardholders will earn 1.5% cash back on net qualified purchases (purchases minus returns/credits) made on the credit card account. Qualified Purchases do not include: Balance Transfers, Cash Advances (including Convenience Checks), ATM Cash Disbursements, Money Transfers, Gaming Transactions, Tax Payments, Finance Charges, or Fees. The maximum cash back rewards per billing cycle are limited to $500. Cash back rewards may be canceled or changed at any time. Please see the disclosure that is given to you. The information about costs of the card is accurate as of December 1, 2024 and is subject to change after this date. Please contact us at Card Services Department, P.O. Box 8008, Lakeland, FL, 33802, for any changes in this information. Additional terms and limitations apply.
2. Applies when you use your Visa Signature credit card to pay for purchase, monthly service plan or travel.
Membership and eligibility requirements apply.
