Take a big step toward becoming a smart consumer

  • Low 12.75% APR* helps you save money
  • For a limited time, earn 1% cash back** on balance transfers. Plus, a $50 bonus*** for new cardholders.
  • No balance transfer, cash advance or annual fees
  • Now compatible with most mobile wallet apps
  • Credit lines of $300–$3,500 available

Visa cards are accepted at millions of locations worldwide and by countless online retailers. So, it's never too early to learn how to use credit wisely. MSGCU also offers teens (aged 13–17) membership in its MyMoney.club, which provides scholarship information and instruction in the basics of money management.

*Annual Percentage Rate. Credit subject to approval. Normal credit standards apply. Review complete rates and terms. **Earn 1% cash back on all balance transfers from other financial institutions performed by a Member Service Representative to a new or existing Youth, Classic or Titanium Visa. Balance transfers must be completed within 60 days of the memberís initial transferówith the initial transfer taking place between 1/2-3/31/2020. The 1% cash back, up to $400 maximum, will be deposited into the memberís savings account after the 60 days has concluded. At time of incentive payout, memberís credit card must be open and balance must be at least 50% of the cumulative total of transferred balances. ***Available for MSGCU Youth, Classic and Titanium Visas opened between 1/2/2020-3/31/2020. Not available to those that have closed an MSGCU Youth, Classic or Titanium Visa 12/1/2019 or later. Complete 20 transactions within 60 days of account opening to earn $50 cash bonus.

Meet these criteria to receive a Youth Classic Visa Credit Card

  • Be 16 or 17 years old and an MSGCU member in good standing
  • Attend a Getting Started with Cash & Credit Workshop or review the workshop material with an MSGCU Representative
  • Have written parental consent
  • Have income from a job or allowance

Visit any of our Michigan branches to apply for your card today.