All MIDFLORIDA branches and Help Desk will be closed on November 11 in observance of Veterans Day.

Close
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
Woman walking out of boutique with shopping bags
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.

LifeLock ID Navigator

Help protect your identity and prevent fraud with proactive monitoring and alerts.
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. 
Woman paying for her meal at cafe with her Visa Signature credit card
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.
Loan officer with couple looking through documents.
Mobile App

Manage Your Money Easily

With mobile and online services, it's like having a MIDFLORIDA branch with you 24/7.

Person holding mobile wallet to POS device
Mobile Wallet

Add to Wallet from the mobile app

Tap to pay using your phone when you add your card to Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay or Garmin Pay. 
Learn More
Man looking at mobile banking app
Card Controls

Keep your card protected

Instantly turn your card on or off within the mobile app. Or set controls for spending limits or transaction types. 
Learn More
Hand holding mobile phone getting text alerts on account usage
Free Text Alerts

Stay on top of your spending

Get real-time text messages with our account alerts to notify you of activity on your account. 
Learn More
Man with hearing aid looking at phone with sonMan with hearing aid holding phone with son
Payment Options

Quick and Easy Payments Anytime

Make one-time or recurring credit card payments directly through the mobile app.
Learn More
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

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. 
Woman in a car hanging out window holds a car key in her hand.

Auto Loans

New or new to you—get the financing you need to buy your new car with our quick and easy online loan application.
Learn More
Mom with daughter in city

Personal Checking

Manage your money on your terms with a variety of personal checking accounts.
Learn more
Black couple holding coffee in kitchen

Personal Loans

Discover loan solutions for every need, with competitive rates and fast approvals designed to make the process quick & easy.
Learn More

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
and Balance Transfers

18.00%

Penalty APR and
When It Applies

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 October 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.